Although the insurer did not give plaintiff insureds notice of their right to designate a third party to receive notices regarding overdue premiums or impending terminations of their policy and 30 day notice of non-payment of the premium and impending termination of the insurance policy as required by Ins. Code 10113.71 and 10113.72, the insurer was entitled to judgment because the insureds did not present proof that the failure to send those notices actually caused the termination of their policy. Instead, the evidence showed that the insureds had moved and had not informed the insurer of their new address so that notice would not have reached them even if properly sent.