Malus century. Apple wood gives off a pleasant scent when burned, and smoke from an apple wood fire gives an excellent flavour to smoked foods. It is easier to cut when green; dry apple wood is exceedingly difficult to carve by hand. It is a good wood for cooking fires because it burns hot and slow, without producing much flame. Crab apple has been listed as one of the 38 plants whose flowers are used to prepare the Bach flower remedies. Malus Malus ( or ) is a genus of about 30–55 species of small deciduous trees or shrubs in the
Bonus-malus policy if no claim is made in the previous year. Malus is an increase in the premium if there is a claim in the previous year. Bonus-malus systems are very common in vehicle insurance. This system is also called a no-claim discount (NCD) or no-claims bonus in Britain and Australia. The fundamental principle of BMS is that the higher the claim frequency of a policyholder, the higher the insurance costs that on average are charged to the policyholder. This principle is also valid in an insurance arrangement consisting of a high maximum deductible which is common to all policyholders. Most