Car insurance policies normally state that "you are to notify us of any additional drivers or additional risks," Ward adds. "Some carriers may have an exclusion in the policy that says, 'If you do not notify us we will not cover you.'"
http://www.foxbusiness.com/features/2011/05/18/dont-hide-teen-driver-insurance-company.html
I certainly would not pay the back premium if I had never filed any claim in that period. But if any claim were made during the 2 year period, your insurance company might be entitled to claw back those payments made on claim.
