Malus by the larvae of a large number of Lepidoptera species; see list of Lepidoptera that feed on "Malus". The fruit is a globose pome, varying in size from diameter in most of the wild species, to in "M. sylvestris sieversii", in "M. domestica", and even larger in certain cultivated orchard apples. The centre of the fruit contains five carpels arranged star-like, each containing one or two seeds. For the "Malus pumila" cultivars, the culinary, and eating apples, see Apple. Crabapples are popular as compact ornamental trees, providing blossom in Spring and colourful fruit in Autumn. The fruits often persist throughout
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