Malus sylvestris found that current populations of "M. pumila" are more closely related to "M. sylvestris" than to "M. sieversii". However, in more pure strains of "M. pumila" the "M. sieversii" ancestry still predominates. The flowers are hermaphrodite and are pollinated by insects. Its leaves are food of the caterpillars of the twin-spotted sphinx ("Smerinthus jamaicensis") and possibly the hawthorn moth ("Scythropia crataegella"). 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
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