First, Welcome to scrapbooking!
As far as your inserts go, they sound like dividers, rather than pages. You can use them as dividers to separate sections in your albums, or not. The choice is up to you!
As far as how to use them: cover them up and repunch the holes, or leave the background bare, and just add your photos and papers and embellishments over top. It really is up to you.
Above all, have fun! There are no scrapbooking police who are going to arrest you for "doing it wrong." As a newbie, you just need to explore all your options, and you'll figure out what works for you by experimenting.