They say: On claim insurer loses and you gain, no claim the insurer takes premium and you lose. It a gamble? How do you answer?

I regret unable to agree you. Because the insurers collects premium from all insureds and then from the total amounts  of premium they manage the insurance process , bears the administration expenses and pay claims to compensates some of the insureds whom they may suffered from losses.  So even you are not rise a claim to the company , but at the same time you cooperate with others insureds in losses paid to those who claims and this mean you are not lose the premium as it was of benefits to others.

In the other hand if you has suffers any claim the insured  will pay you the monetary amount of claim which return you to the financial position that where you was immediately before the loss happen , no more no less , hence no financial gain return to you from insurance but just indemnity .

Best wishes

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i don`t agree with you , the client pay for a service which may happen or not ,

The loss an individual or an entity will be held accountable for is usually unbearable, but because of the law of large number, an insurance company will be able to cover the majority of losses for its client before they even reach the point of break even. Thus, an individual or entity that buys insurance, is transferring the burden of loss possibility and can operate within its scope of operation with less limits.