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 anniversary of the contract. Generally, one degree corresponds to a 5% discount or surcharge. The starting class may depend on the driver's age, sex, place of residence, the car's horsepower. Each country has a different legislation, which rules how many degrees an insurer may increase or decrease, the maximum bonus or malus allowed and which statistics insurers can use to evaluate the starting class of a driver. A BMS usually has an effect on road safety statistics, as it stimulates drivers to be careful and avoid accidents that would lead to the loss of bonus. Most insurers have a policy