Whether or not your insurance carrier can contractually cancel a policy of insurance that is in effect and paid to date due to knowledge of your wife's driving under the influence of alcohol or a controlled substance conviction depends upon what the insurance policy states.As such, you need to carefully read the written insurance policy that you are writing about in that its terms and conditions control the obligations owed to you by the carrier and vice versa in the absence of conflicting state law. If there is no provision in the policy for cancellation mid-term for the criminal conviction involving your wife, then the carrier must wait until the expiration of the policy term to not renew your insurance policy.