Malus trilobata country, that is protected, is in Horsh Ehden Nature Reserve and Jabal Moussa Biosphere Reserve. "Malus trilobata" has an upright habit with horizontal branching and a mature size of height by width. The leaves are maple-like and deeply three-lobed. They turn from orange to red to deep purple in the fall. The tree blooms during April and May producing white flowers and yellow fruits. 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
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