What is the ruling on the refunded amount (ristourne) from the car insurance company after five years, which represents a percentage of the insurance premium?

Car insurance is divided into two types: permissible cooperative insurance, in which the surplus remains for the benefit of the insured or is invested and its profits distributed among them, and there is no sin in taking the surplus or profit from it. And prohibited commercial insurance, in which the company takes the surplus for itself, and it is not permissible to enter into it except under compulsion. There is no sin upon the participant in taking the money returned to him from the company in this case.