可以。

如果您对您的保险经纪人不满意，可以选择其他可以为您提供更好服务的人。您可能需要写一份正式的委任书，以允许新经纪人接管您目前在保险公司的保单。

Yes.

If you are not satisfied with your insurance broker, you can change to one who may service you better. You may have to write an official letter of appointment to allow the new broker to take over your current policy with an insurance company.

可以。

您几乎可以随时更换保险公司。您必须通知当前的保险公司和新的保险公司需要更改生效的实际日期。您当前的保险单会被取消，新保险单也在同时生效，以避免保险期的时间空档。保险公司的保险单之间存在差异。我们建议您在决定更改之前，仔细阅读承保范围和保单措辞。

Yes.

You can change insurance company almost anytime. You have to notify both the current insurer and the new insurer of the actual date you would like the change to occur. Your current policy may be cancelled and your new policy commenced at the same time to avoid a time gap in insurance cover. There could be a coverage difference between insurers’ policies. We suggest you carefully read the schedule of cover and policy wording before you decide to change.

可以。

保险公司需要确切的取消日期，以便他们可以退还保险剩余期间的保费。可退还金额可能会根据余额期按比例分配，也可能不会。

Yes.

The insurance company will need the exact date of cancellation so they can refund the balance period of insurance. The refundable amount may or may not be prorated according to the balance period.

没有最好的保险公司。

所有保险公司都有自己的优势和欠缺。在找到合适的保险公司和保单之前，我们需要您的信息和保险需求。

There is no best insurance company. All insurance companies have their strengths and weaknesses. We take the time to understand your situation and requirements before finding a suitable insurance company or policy for you.

选择能够了解您的需求，向您说明保险能够保障什么，不能保障什么，提醒您保单更新，以及在索赔或发生事故时为您提供帮助的经纪人。

Choose an insurance broker who understands your needs, clearly communicates to you what insurance cover is available or suitable, reminds you of policy renewals, and assists you with claims if or when an incident occurs.

所有的保险公司都有自己的优势和欠缺。 一家合适的公司应该使他们的产品满足您的大部分需求，定价合理，还能够在财务上满足理赔要求，而且在处理所售产品方面具有实际经验。

All insurance companies have their strengths and weaknesses. A suitable company should have their product meeting most, if not all, of your needs. Their product should be fairly priced and they should be financially able to meet claims demands and actually have experience in handling the products they sell.

保险费是根据您提供的信息，并配合保险公司的统计数据和经验计算得出。不同的保险公司可能拥有不同的理赔经历，统计数据和运营费用，从而导致它们为同一风险提供不同的保费报价。

The insurance premium is calculated based on the information you have provided. This gets matched with the insurance company’s statistics and experience. Insurance companies all have different claim processes, loss statistics and operating expenses resulting in them providing different premium quotations for the same risk.

不同。

多年来，保险公司都会根据自己的经验更改保单，因此保单很可能会有所不同。

No.

Over the years, insurance companies change their policy according to their own experience, so policies between companies are likely to be different.

您必须仔细阅读保险单的清单及保单条款，以确保它们满足您的需求，并且这是满足预算的最佳解决方案。

You must carefully read the schedule of cover and the policy wording to ensure it meets your needs and is the best possible solution for your budget.

只要您提供给保险公司或保险经纪人的信息有任何变化，就需要及时告知对方，并且至少每年一次复查您的保险。

与保险经纪人进行保险交易可以便于讨论您任何的情况变化，以便您可以继续选择适当或最佳的承保条款。

We recommend reviewing your cover at least once a year, or whenever there is any change to the information you have provided to your insurance company or insurance broker.

Transacting insurance with an insurance broker gives you an opportunity to discuss any changes in your circumstances so that you can continue with suitable or best available terms of cover.

1.向经纪人提供正确和诚实的信息。提供虚假，误导，错误的信息将使保险经纪人无法提供最佳服务。

2.准备接受并非所有的风险都可以被保这一事实。

询问您的经纪人可能未涵盖的范围。如果您不与合格且经验丰富的保险经纪人进行业务交易，则可能错失这样的机会。

3.及时提供信息。延迟提供相关信息或不确定的信息可能会导致保险承保生效的延迟。

1. Provide correct and honest information to the broker. Providing false, misleading, incorrect covered-up information will not allow the insurance broker to provide their best service.

2. Be prepared to accept that not all your risks are insurable by an insurance policy. Ask your broker what may not be covered. You may not have this opportunity if you are not transacting the business with a qualified and experienced insurance broker.

3. Provide information in a timely manner. Delay or indecision in providing relevant information to the insurance broker may result in a delay in insurance cover placement.

限定事件保险只承保该保单中明文列出的一系列危险状况，例如火灾，风暴，地震，恶意破坏，因管道破裂引起的水灾，冲击破坏。

意外损坏保险不承保该险种列出的特殊风险，但涵盖该保单定义范围内的所有意外损害。

这意味着意外损坏保险的承保范围实际上比限定事件保险更广泛。

因此，意外损坏保险的保费相对更高。请仔细阅读适用的保单条款，因为保险公司的意外损坏保险之间存在差异。

Listed Events cover means the policy only covers against a list of perils in the policy wording, such as fire, storm, earthquake, malicious damage, water damage due to burst pipe, or impact damage.

Accidental Damage cover will not cover the perils listed but will cover for all damages within the policy’s definition of accident not within its exclusions. This means that Accidental Damage cover is actually wider than Listed Events cover. Accidental Damage cover therefore costs more. Please read policy wording carefully as there are sometimes differences between insurers’ Accidental Damage policies.

并非如此。

的确，在大多数情况下，保险经纪人收取的佣金已计入总保费中。但是，保险公司通过保险经纪人进行交易有许多节省成本的因素。

以下是此类因素的示例：

降低广告成本——保险经纪人可以收到大量咨询和推荐，并且可以向任何保险公司提供大量保单。保险公司无需支付高额的广告费用即可收到来自保险经纪人的业务。

降低直接或人工成本——保险经纪人可以查询，提供咨询，签发和管理客户的保险单。保险公司不需要雇用太多员工来完成相同的工作。

降低理赔和争议处理成本——经纪人通常能够在发生理赔的情况下管理客户的期望，从而使保险公司和客户的理赔过程更加顺利和公平。显然，通过经纪人购买保险的保单持有人提出的投诉数量远远少于其他渠道的购买人。

这意味着保险公司可以节省理赔处理人员的成本以及可能影响其声誉和时间的理赔纠纷成本。

Not necessarily.

It is true that in most cases insurance brokers do receive a commission which is factored into the total premium. However, you will also benefit from the cost savings insurers experience when transacting through insurance brokers. Here are some examples of how insurance companies benefit from using brokers：

Lower advertising cost – Insurance brokers receive a large number of enquiries and referrals, and are able to place a large number of policies with any insurer. Insurance companies need not pay high advertising costs to acquire new customers.

Lower direct or staff cost – Insurance brokers are capable of taking enquiries, providing consultation, and issuing and administering customers’ insurance policies. Insurance companies therefore do not need to employ as many staff to do these jobs.

Insurance brokers are often able to manage customers’ expectations in the event of a claim, making the claim process much smoother and fairer for both insurance company and customer. It is evident that the number of complaints from policy holders through brokers is much less than through other channels. Insurance companies therefore save on staff costs related to claims handling and disputes, saving on not just their time but also their reputation.

以下是常见原因的示例：

1. 购买保险时提供的信息有误——例如错误的所有者名称，实体名称，地址，职业，财产的勇于，财产的信息。

2. 政策覆盖情况——例如非偶然原因，没有列出的危险，不符合安全，安保或维护要求。

3. 政策排除——例如战争，核能，生物安全，生化，被受保人的行为，与政府权威有关，特别注明的政策排除，与犯罪有关（对受保人而言），欺诈，道德风险。

4. 不缴纳或延迟缴纳保费——保险是保险公司与受保人/保单持有人之间的合同。如果有任何拒绝赔付（不付款）的情况，则保险公司必须以合同条款为依据。保险公司将参考所提供的信息，适用的保险单范围和条款。

Below are some common reasons why a claim may not be paid:

1. Wrong information provided during the purchase of insurance; e.g wrong owner name, entity name, address, occupation, use of property, property information.

2. Policy coverage conditions; e.g. non-accidental causes, not a listed cover perils, not compliant with safety, security or maintenance requirement.

3. Policy exclusions; e.g. war, nuclear, biosecurity, biochemical, acts of insured, government authority related, specially noted policy exclusions, crime-related (on the part of insured), fraud, moral hazard.

4. Non-payment or late payment of premium.

Insurance is a contract between the insurance company and the insured/policyholder. If there is any claim denial (not payable), the insurance company has to base their denial on the contract terms. The insurance company will refer to the information provided, policy cover schedule and policy wordings applicable.

通知您的保险公司或保险经纪人。

有关某些可能的情况，请参见我们的“发生事故”博文。

Inform your insurance company or the insurance broker.

Please see our “In the event of accident” blog for some possible scenarios.