Malus sieversii Malus sieversii Malus sieversii is a wild apple native to the mountains of Central Asia in southern Kazakhstan. It has recently been shown to be the primary ancestor of most cultivars of the domesticated apple ("Malus pumila"). It was first described (as Pyrus sieversii) in 1833 by Carl Friedrich von Ledebour, a German naturalist who saw them growing in the Altai Mountains. It is a deciduous tree growing to , very similar in appearance to the domestic apple. Its fruit is the largest of any species of "Malus" except "pumila", up to 7 cm diameter, equal in size to many
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