The insured must:
1° Pay the premium and expenses at the place and times agreed;
2° Take reasonable care of all matters relating to the vessel or the goods;
3° Declare accurately, at the time of conclusion of the contract, all circumstances known to him which are such as to enable the insurer to assess the risk he is assuming;
4° Declare to the insurer, insofar as he is aware of them, any increases in risk occurring during the course of the contract.