Your name being listed on the policy does not necessarily mean that you were a rated driver. You may just be listed as a named insured.
A named insured is a policy owner, not necessarily a driver.
Look at the last declaration page you received from your company. Even if you are listed, there may be a notation near your name, such as "not rated" - meaning only your name appears on the policy, "excluded" - meaning you are listed but if you drive there is no coverage, "named insured" - just meaning you are a policy owner, or "rated"- meaning you are calculated as part of the risk on the policy.
It is possible to be listed without being part of the risk.
If you can't tell by looking, ask your agent or company, they will be able to tell for sure.
If you are rated, then yes, they do owe you a refund if they have charged for you - unless they previously communicated with you, asking if you were a licensed driver in the household and you failed to respond.
It is so common for people to hide drivers that are in unfavorable rating categories in their household (young drivers, drivers with bad records) that some companies, having come upon a record of a person in the household, send out an underwriting letter which advises that if you do not contact them regarding this potential driver, they will be added.
Usually, people with a situation like yours, where there is nothing to hide, respond promptly.
If this is the situation, they may still refund any additional charges.
