When an insurance policy has a deductible clause, the insurer is never allowed to cancel an insurance policy without providing advance notice to the insured

the insured is required to cover a portion of the loss that is insured against out of her own assets

the insured is not allowed to profit from the occurrence of the event that is insured against

the insurer has the right to sue third parties to recover amounts paid to the insured under the terms of the policy

the insurer is required to reimburse premiums to the insured if the policy is cancelled