Phlorizin Phlorizin Phlorizin (also referred to as phloridzin; chemical name phloretin-2'-β--glucopyranoside) is a glucoside of phloretin, a dihydrochalcone, a family of bicyclic flavonoids, which in turn is a subgroup in the diverse phenylpropanoid synthesis pathway in plants. Phlorizin is found primarily in unripe "Malus" (apple), root bark of apple, trace amounts have been found in strawberry. In "Malus", it is most abundant in vegetative tissues (such as leaves and bark) and seeds. Closely related species, such as pear ("Pyrus communis"), cherry, and other fruit trees in the "Rosaceae" do not contain phloridzin. Phloridzin is a phytochemical that belongs to the class
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