Malus baccata Malus baccata Malus baccata is an Asian species of apple known by the common names Siberian crab apple, Siberian crab, Manchurian crab apple and Chinese crab apple. It is native to much of northern Asia, but is also grown elsewhere as an ornamental tree and for rootstock. It is used for bonsai. It bears plentiful fragrant white flowers and edible red to yellow fruit of about 1 cm diameter. "Malus baccata" is native to Russia, Mongolia, China, Korea, Bhutan, India and Nepal, where it is common to mixed forests on hilly slopes at elevations up to 1500 meters (5000 feet).
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