With the Insurer and the Insured are entitled to terminate this insurance upon 30 (thirty) days notice in writing being given. Such termination should be effected by a registered letter. When the Insurer terminates the insurance, he is obligated to give a pro-rata return premium for the unexpired period of insurance. If it is the Insured who terminates the insurance, premium will be calculated on the short term and rate laid down in the current fire insurance tariff of Indonesia for the completed period of Insurance.