Justifying the premium that you paid to protect your no-claims bonus.

证明你为保护你们不受伤害所支付的额外费用是值得的。

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A no-claims bonus is a reduction allowed in the cost of motor insurance when no claim has been made during previous years.

未索赔奖励金是一种汽车保险在成本上的优惠，当近年来未曾索赔时。

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If they think they can recover the cost of your claim (perhaps helping your no-claims bonus) then they will do so, but if not then it's an accident, and that's why you have insurance.

BBC: Fergus Muirhead