(e) This policy was obtained through fraud or material misrepresentation. If we cancel for this reason, we will mail you at least 20 days' notice.

(f) Any insured made a fraudulent claim. If we cancel for this reason, we will mail you at least 20 days' notice.

If one of the reasons listed in this Paragraph (4) exists, we may cancel the entire policy.

(5) Instead of cancellation, we may condition continuation of this policy on a reduction of Liability Coverage or elimination of any other coverage. If we do this we will mail you notice at least 20 days before the date of the change.

(6) Notice of cancellation will state the effective date of cancellation. The "policy period" will end on that date.

(7) If this policy is cancelled, we will send you any premium refund due. The refund will be pro rata.

However, when the premium is advanced under a premium finance agreement, 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.

b. Non-renewal – Individual with Owned Auto Predominantly Used for Non-business Purposes

(1) If this policy is written for a period of less than one year and we decide, subject to New York Laws, not to renew or continue it, or to condition renewal or continuation on a reduction of Liability Coverage or elimination of any other coverage, we will mail or deliver to you written notice at least 45 but not more than 60 days before the end of the "policy period".

(2) We will have the right not to renew or continue a particular coverage, subject to New York Laws, only at the end of each 12-month period following the effective date of the first of the successive "policy periods" in which the coverage was provided.

(3) We do not have to mail notice of non-renewal if you, your agent or broker or another insurance company informs us in writing that you have replaced this policy or that you no longer want it.

c. Mailing of Notices - Individual with Owned Auto Predominantly Used for Non-business Purposes

We will mail or deliver our notice of cancellation, reduction of limits, elimination of coverage or non-renewal to the address shown on the policy. However, we may deliver any notice instead of mailing it. If notice is mailed, a United States Postal Service certificate of mailing will be sufficient proof of notice.

2. For all policies other than those specified in Section 1 above, this Section 2 applies to cancellations and non-renewals:

a. Cancellation - All Policies Other Than Those Specified in Section 1.

(1) The first Named Insured shown in the Declarations may cancel this entire policy by mailing or delivering to us advance written notice of cancellation.

(2) If the policy has been in effect 60 days or less, we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least:

(a) 30 days before the effective date of cancellation if we cancel for any reason not included in Paragraph (b) below.

(b) 15 days before the effective date of cancellation if we cancel for any of the following reasons:

i. Nonpayment of premium, provided, however, that a notice of cancellation on this ground shall inform you of the amount due;

ii. Conviction of a crime arising out of acts increasing the hazard insured against;