保险的工作方式是将大量面临相似风险的人们的资源汇集在一起，来共同承担意外风险，以确保少数遭受损失的人们得到保护。

当我们购买保险单时，我们按照每月或每年定期支付保费。这笔钱与成千上万其他保单持有人的保费一并加入一个大资金池。 运气好的话，我们将永远不需要依靠这个资金池。但是，如果您碰巧是不幸的人之一，无论是是由于恶劣的天气，还是突发事故而受到灾难性的影响，那么这笔资金就可以用来帮助您减少或者抵消您的损失。

Insurance works by pooling together the resources of a large number of people who have similar risks to make sure that the few people who experience loss are protected.

When we take out an insurance policy, we pay a monthly or annual premium. That money joins the premiums of many thousands of other policyholders and goes into a big pool of funds. With any luck, we will never need to draw on that pool. But if you happen to be one of the unlucky ones affected by an unexpected calamity, perhaps through severe weather or accident, that pool of funds can be used to help you to reduce or cover your loss.

保险的关键作用是帮助人们在经济上保护自己免受生活中的不确定因素影响，例如自然灾害，车祸或假期中的疾病。通过选择具有所需功能的正确政策，我们可以选择希望承担的风险类型。

一般保险可帮助我们保护自己和我们珍视的事物，例如我们的业务，房屋，汽车和贵重物品，免受风险的大小影响，包括火灾，风暴和地震，盗窃，车祸，旅行事故-甚至是针对我们的法律诉讼费用。这可以使您避免支付更换，修理，重建或还原贵重物品的全部费用。这也意味着您可以避免最终承担大量债务或负债。

The key role of insurance is to help people financially protect themselves against life’s uncertainties, such as natural disasters, a car accident or an illness while on holidays. We can choose the types of risks we wish to cover by choosing the right kind of policy with the features we need.

General insurance helps us protect ourselves and the things we value, such as our business, our homes, our cars and our valuables, from the financial impact of risks, big and small – from fire, storm and earthquake, to theft, car accidents, travel mishaps – and even from the costs of legal action against us. This may allow you to avoid paying the full cost of replacing, repairing, rebuilding or restoring valuable things. It also means you could avoid ending up with a large debt or liability.

保险无法为您谋利，但可以保护您和您的财产，以及生意。

如果您的财产和企业遇到意外事件，并且您拥有针对这些风险的财产和企业的一般保险单，则可以提出索赔并利用这笔资金来帮助支付维修，重置或重建费用。 当您支付保险费时，只有在您主张保险单所涵盖的损失的情况下，您才可以使用资金池。

Insurance cannot generate profits. It exists to protect you, your property, and your business.

If your property and business encounters an accident or catastrophe and you have a general insurance policy that covers the property and business for those risks, you can make a claim and draw on that pool of money to help pay for repairs, replacements or rebuilding costs. When you pay an insurance premium, you will have access to the pool of money only if you claim a loss that is covered by your insurance policy.

每个保险公司的保单都有不同的规则，涵盖了该保单的内容。可能会有例外情况，因此，如果不确定自己的保单内容，请仔细阅读保单。此外，您可以与我们联系，我们负责且经验丰富的经纪人将为您提供专业建议。

Each insurer has different rules about what their policy will cover. Exclusions may apply, so you should read your policy carefully. Our responsible and experienced brokers will make sure you fully understand your policy, and will offer unbiased, professional advice.

最高诚信的义务要求被保险人在寻求保险建议时，披露所有相关的信息，并且当相关信息产生任何变化时，及时联系保险经纪人。

When we arrange your insurance policy, we rely on you, as the insured person, to disclose all relevant information in utmost good faith, accepting the risk right from the start, and agreeing to notify us if any of your details change.

Collins 的服务标准可以说是Excellent。

我已经把Collins 推荐给我的朋友，家人，亲戚。

这几年中Colin每次的服务都是尽心尽力的，比如说要出现场，他也是一大早。有时我们还没到，他就到了，然后耐心跟我们讲解，用他专业的知识告诉我，哪些是属于保险的，哪些是不属于的。然后我们英文不好，有时候他还会帮我们写个 email 帮我们翻译。真的每一次都很尽心，真的每一次都很难忘的。

我觉得colin不仅有非常扎实和专业的这个保险知识，他为人特别忠厚，就是很踏实，让人很值得信赖。所以不仅我自己用他，我也是介绍朋友和亲戚给他，因为我觉得他值得我们大家信赖。

我对Collins的服务很满意。很好，很认真，很负责。遇到问题Collins都会帮你想办法，非常好。

我已经推荐了身边好几个朋友给Colin了。

我的汽车挡风玻璃坏了，又忘记我的保险里包含免费修玻璃这个选项了，问了一下Colin, 他就告诉我他帮我选保险的时候有选免费换修玻璃，帮我安排了免费换修，非常贴心。

Colin一直很认真的对待每一个客户，我们全家的车险，房屋险，生意险，全部都是在他那里做的，非常满意。