Malus trilobata Malus trilobata Malus trilobata, the Lebanese wild apple, erect crab apple or three-lobed apple tree, is a species in the family Rosaceae in the genus "Malus". Some authorities place it in the segregate genus "Eriolobus", as "Eriolobus trilobatus". The distribution of "Malus trilobata" in Asia includes West and South Anatolia, Syria, Lebanon and North Israel, while in Europe its distribution encompasses the east section of Greek Thrace (Evros Prefecture) and southeastern Bulgaria. Surviving trees in Lebanon can be found in the Mount Lebanon Range, at altitudes of . The last remaining forest community of the endemic wild apple in the
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