无赔款退费: no claims bonusno claims returnreturn for no claim
灾: 名词1.(灾害) disaster; calamity 短语和例子受灾 be stricken by disaster; 天灾 natural calamities; 救灾 provide disaster relief; 虫灾 plague of insects2.(个人的不幸) personal misfortune; adversity; unluckiness 短语
巨灾: catastrophe◇巨灾超额赔款合同 catastrophe excess of loss; 巨灾危险 catastrophe hazard
