(vi) A determination by the Superintendent that the continuation of the policy would violate, or would place us in violation of, any provision of the Insurance Code;

(vii) Suspension or revocation during the required policy period of the driver's license of any person who continues to operate a covered auto, other than a suspension issued pursuant to Subdivision (1) of Section 510(b) of the Vehicle and Traffic Law or one or more administrative suspensions arising from the same incident which has or have been terminated prior to the effective date of cancellation; or

(viii) Cancellation of one or more of the underlying policies providing primary or intermediate coverage where:
i. Such cancellation is based upon Paragraphs (i) through (vii) of this subsection; and
ii. Such policies are not replaced without lapse.

(2) For More Than 60 Days
If this policy has been in effect for more than 60 days, or if this policy is a renewal or continuation of a policy we issued, we may cancel only for any of the reasons listed in Paragraph 1.b.(1)(b) above, provided:
(a) We mail the first Named Insured written notice at least 15 days before the effective date of cancellation; and
(b) If we cancel for nonpayment of premium, our notice of cancellation informs the first Named Insured of the amount due.
c. We will mail or deliver our notice, including the reason for cancellation, to the first Named Insured at the address shown in the policy and to the authorized agent or broker.
e. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata.

However, when the premium is advanced under a premium finance agreement, the cancellation refund will be pro rata. Under such financed policies, we will be entitled to retain a minimum earned premium of 10% of the total policy premium or $60, whichever is greater. The cancellation will be effective even if we have not made or offered a refund.

2. The following is added to Paragraph 5. Cancellation of Section III - Conditions:
a. Regardless of the number of days this policy has been in effect, if:
(1) This policy covers autos subject to the provisions of Section 370 (a) and (b) of the Vehicle and Traffic Law; and
(2) The Commissioner of the Department of Motor Vehicles deems this policy to be insufficient for any reason;
we may cancel this policy by giving you notice of such insufficiency 45 days before the effective date of cancellation to permit you to replace this policy.
b. The effective date of cancellation stated in the notice shall become the end of the policy period.
c. Notice will include the reason for cancellation. We will mail or deliver our notice to the first Named Insured at the address shown in the policy and to the authorized agent or broker. However, we may deliver any notice instead of mailing it. Proof of mailing will be sufficient proof of notice.

3. The following Conditions are added:
a. Nonrenewal
If we decide not to renew this policy, we will send notice as provided in Paragraph 3.c. below.
b. Conditional Renewal
If we conditionally renew this policy subject to:
(1) A change of limits;
(2) A change in type of coverage;
(3) A reduction of coverage;
(4) An increased deductible;
(5) An addition of exclusion; or