RSA 415-B:10: Return Premiums.

Whenever a financed insurance contract is cancelled, the insurer shall return whatever gross unearned premiums are due under the insurance contract to the premium finance company for the account of the insured or insureds as soon as reasonably possible, but in any event, within 30 days after the effective date of cancellation. On auditable policies, gross unearned premiums shall be returned within 30 days after the date of the completed audit of the insured. In the event that a crediting of return premiums to the account of the insured results in a surplus over the amount due from the insured, the premium finance company shall refund such excess to the insured provided that no such refund shall be required if it amounts to less than $1. This section shall not apply to retrospectively rated policies.