Where a mortgage creditor has declared his or her mortgage, a termination of the insurance agreement by the policyholder is only effective, in derogation from section 92 (1) and section 96 (2), if the policyholder has provided proof no less than one month before the end of the contract of insurance that, at the time when the termination was permissible at the latest, there was no mortgage on the property, or that the mortgage creditor had agreed to the contract being terminated. The agreement may not be refused without sufficient grounds.