Australia Insurance Contracts Act 1984 (Cth) s59-63: ss 59 to 63 Cancel only on statutory grounds and by written notice with the required lead time

An insurer cancels an insurance contract only as the Act (or s 210 of the Life Insurance Act 1995) allows (s 63): for general insurance, for the insured's failure of utmost good faith, a relevant failure, breach of a contract term including premium payment, a fraudulent claim, a notifiable act or omission after entry, or at any time for deemed renewal or interim cover (s 60), or when the insurer is in liquidation (s 61); for life insurance, for a fraudulent claim (s 59A). Cancellation is by written notice to the insured and takes effect at the earlier of replacement cover or 4 pm on the third business day after notice (fourteenth for deemed s 58 cover, twentieth for life), or a later time specified (s 59). A purported cancellation outside these rules has no effect.