Malus floribunda Malus floribunda Malus floribunda, common name Japanese flowering crabapple, Japanese crab, purple chokeberry, or showy crabapple, originates from Japan and East Asia. It may be a wild species, or a hybrid of "M. sieboldii" x "M. baccata". "Malus floribunda" forms a round-headed, small deciduous tree with narrow leaves on arching branches. The flowers are white or pale pink, opening from crimson buds. The fruit is red and yellow, of about 1 cm in diameter. Tree has good disease resistance to apple scab and powdery mildew. The initiators of the PRI disease resistant apple breeding program have discovered that "Malus floribunda"
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