 the insured shall take reasonable precautions to prevent accidents and shall comply with all statutory obligations. this endorsement any 0 children not exceeding 00 years of age will be reckoned as two persons and any children in arms not exceeding 0 years of age will be disregarded. Provided further that in the event of Policy being cancelled at the request of the insured no refund of premium paid in respect of this endorsement will be allowed. Subject otherwise to the terms, exceptions,