What provisions are required in the insurance policy regarding cancellation notifications?

The correct choice highlights the necessity for the insurer to notify the policyholder at least 10 days before the cancellation of an insurance policy. This requirement is crucial because it ensures that the insured is given adequate warning of the impending cancellation, allowing them time to seek alternative coverage or resolve any issues that may lead to cancellation.

Timely notification is fundamental to protecting the rights of the insured and helps maintain transparency in the relationship between the insurer and the insured. This provision not only serves the interests of the policyholder but also reinforces trust and accountability in the insurance process.

The mention of notifying the department beforehand, or solely notifying the insured, lacks the complete context of the necessary notifications that need to occur. Additionally, providing only a summary of cancellation terms does not fulfill the obligation to adequately inform the insured before they lose coverage. Thus, the requirement for a full 10-day notice ensures compliance with proper procedures in the policyholder's interests.