A more thorough explanation:

A noncancelability clause is a provision in an insurance policy that prevents the insurer from canceling the policy after an insured's loss, as long as the premium has been paid. This means that the policy will remain in force even if the insured has a claim.

Let's say John has a noncancelable disability insurance policy. He pays his premiums on time every month. One day, John becomes disabled and is unable to work. He files a claim with his insurance company, and they approve it. Because of the noncancelability clause in his policy, the insurance company cannot cancel his policy even though he has made a claim.

Another example is a noncancelable life insurance policy. If the insured person dies, the insurance company cannot cancel the policy as long as the premiums have been paid. This provides peace of mind to the insured's beneficiaries, who know that they will receive the death benefit.

These examples illustrate how a noncancelability clause can protect the insured from losing their insurance coverage after a loss. It ensures that the policy will remain in force as long as the premiums are paid, even if the insured makes a claim.