# New York Changes - Cancellation and Nonrenewal

This endorsement modifies insurance provided under the following:

**EXCESS LIABILITY COVERAGE FORM**

A. If you are an individual and a covered auto you own is predominantly used for nonbusiness purposes, Paragraph D. Cancellation of Section VI - Conditions is replaced by the following:

## Ending This Policy

### 1. Cancellation

a. You may cancel the entire policy by returning it to us or by giving us advance notice of the date cancellation is to take effect.

b. When this policy is in effect less than 60 days and is not a renewal or continuation policy, we may cancel the entire policy for any reason provided we mail you notice within this period. If we cancel for nonpayment of premium, we will:

(1) Mail you at least 15 days' notice; and

(2) Inform you of the amount due.

Payment of premium will be considered on time if made within 15 days after we mail you notice of cancellation. If we cancel for any other reason, we will mail you at least 20 days' notice.

c. When this policy is in effect 60 days or more or is a renewal or continuation policy, we may cancel it or any insurance deemed severable only for one or more of the following reasons:

(1) Nonpayment of premium, provided, however, that a notice of cancellation on this ground shall inform you of the amount due. If we cancel for this reason we will mail you at least 15 days' notice. Payment of premium will be considered on time if made within 15 days after we mail you notice of cancellation.

(2) Your driver's license or that of a driver who lives with you or customarily uses the covered auto has been suspended or revoked during the policy period, 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 out of the same incident which has or have been terminated prior to the effective date of cancellation. If we cancel for this reason, we will mail you at least 20 days' notice.