Malus hupehensis Malus hupehensis Malus hupehensis, common names Chinese crab apple, Hupeh crab or tea crabapple, is a species of flowering plant in the apple genus "Malus" of the family Rosaceae. It is native to China. "Malus hupehensis" is a vigorous deciduous tree growing to tall and broad. It has pink buds, opening to fragrant white blossoms in Spring. It produces bright red, cherry-sized crab-apples in the Autumn. The plant is cultivated as an ornamental tree, for planting in gardens. It has gained the Royal Horticultural Society's Award of Garden Merit. "Malus" is the ancient Latin name for apple trees. "Hupehensis" means
Bonus-malus insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems penalize at-fault accidents by premium surcharges and reward claim-free years by discounts, commonly known as a "no-claims discount". The most usual BMS divides drivers by classes, where each class has its own discount or surcharge that is applied to the basic premium. A claim-free year implies in a decline of one or more degrees on the Bonus/Malus class table on the anniversary of the contract. A claim entails an increase of a given number of degrees on the Bonus/Malus scale on the