Sure, why not? It depends on your use. If you want to create something, that's not the way to go. However, if you just want something to take to the beach, when why not?
My grandparents (and later, my parents) grew up in a rural area in the early 1900's without electricity. Heating was from a wood stove. One of the quilts that my grandmother made was what she called, "hunting" quilts. They were made from scraps of wool that were just sewn together randomly to make a top. The batting was cotton and had a cotton backing. They used these quilts when the men went hunting. They weren't pretty, but very utilitarian.
I would generally say that if it has a top, batting and backing and is somehow quilted, it's a quilt.
bkay