Malus Malus Malus ( or ) is a genus of about 30–55 species of small deciduous trees or shrubs in the family Rosaceae, including the domesticated orchard apple ("M. pumila" syn. "M. domestica" ) – also known as the eating apple, cooking apple, or culinary apple. It is dealt with under Apple. The other species are generally known as crabapples, crab apples, or wild apples. The genus is native to the temperate zone of the Northern Hemisphere. Apple trees are typically tall at maturity, with a dense, twiggy crown. The leaves are long, alternate, simple, with a serrated margin. The flowers
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