Malus prunifolia Malus prunifolia Malus prunifolia is a species of crabapple tree known by the common names plumleaf crab apple, plum-leaved apple, pear-leaf crabapple, Chinese apple and Chinese crabapple. It is native to China, and is grown elsewhere for use as an ornamental tree or as rootstock. It reaches from between 3 and 8 meters tall and bears white flowers and yellow or red fruit. It was described botanically by Willd. in the genus "Pyrus", and transferred to "Malus" in 1803 to produce the nomenclatural treatment used here. "Malus prunifolia" is found in China in the provinces of Gansu, Guizhou, Hebei, Henan,
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