91. The insurer may cancel a contract within sixty days after its coming into force by a mere notice to the insured; in that case, the contract is terminated fifteen days after such notice is received.
At the expiry of such period of sixty days, an insurance contract shall not be cancelled by the insurer except in the case of an aggravation of risk which is likely to materially influence a reasonable insurer in the decision to continue to insure, or when the premium has not been paid.
The insurer so wishing to cancel the contract must notify the insured of it in writing; the cancellation has effect thirty days after such notice is received.