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If they ask you to give them back the extra you will be required to give it back. The money is not yours. It was given to you to pay for the repairs and nothing else. So if they ask you can do 1 of three things 1) give it back, 2) don't give it back and they adjust your premiums likewise and get it back plus extra anyway, 3) don't give it back, be dropped from your insurance and be taken to court where you will be forced to pay it back, plus court costs, plus lawyer fees.
And fyi, switching to a cheaper company and pocketing the extra could very well be spun into insurance fraud which is a jail-able offense and most insurance companies won't touch you after this is put on your record.
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