Malus sylvestris Malus sylvestris Malus sylvestris, the European crab apple, is a species of the genus "Malus", native to Europe. Its scientific name means "forest apple" and the truly wild tree has thorns. Wild apple has an expanded crown and often appear more like a bush than a tree. It can live 80–100 years and grow up to 10 m tall with trunk diameters of 23–45 cm. Due to its weak competitiveness and high light requirement, wild apple exist mostly at the wet edge of forests, in farmland hedges or on very extreme, marginal sites. The tree is rather rare but native
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