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Apple Vacations: air and hotel vacation packages to the Caribbean, Mexico, Hawaii, Bahamas and Bermuda Punta Cana La Romana Puerto Plata Bermuda Aruba Jamaica Grand Cayman St. Croix Curacao Sint Maarten/Saint Martin More... Cancun - Riviera Maya Puerto Vallarta Cozumel Acapulco Los Cabos Huatulco Ixtapa-Zihuatenejo Loreto Manzanillo Mazatlan Nassau Grand Bahama Hawaii-Maui Hawaii-Oahu Hawaii-The Big Island Hawaii-Kauai Hawaii-Lanai Hawaii-Molokai Costa Rica/Guanacaste California Canada Colorado Utah Vermont Wyoming London Paris Rome Madrid -- -- Cancun Iberostar Paraiso del Mar 3-nights, including air from $989.99 Gran Bahia Principe Tulum 3-nights, including air from $929.99 Punta Cana Sunscape The Beach Punta Cana 3-nights, including air from $969.99 -- See specials for the month of: - Select month, year - December, 2005 January, 2006 February, 2006 March, 2006 April, 2006 May, 2006 June, 2006 July, 2006 August, 2006 See specials from your airport: - Select an airport - Atlanta Baltimore Boston Buffalo, New York Burbank Glendale Pasadena Airport Charlotte Chicago Midway Chicago O'Hare Cincinnati Cleveland Columbia, SC Columbus (CMH) Columbus (LCK) Dallas Fort Worth Denver Detroit Fort Lauderdale Hartford John Wayne Airport Kansas City Los Angeles Louisville, KY McCarrenan International Airport (LAS) Memphis Miami Milwaukee Minneapolis Nashville New Orleans New York City (JFK) New York City (La Guardia) Newark Norfolk International Airport Oakland International Ontario International Orlando Philadelphia Phoenix Pittsburgh Portland Raleigh Durham Reno-Cannon International Airport Richmond Rockford, IL Ronald Reagan International Airport Sacramento Salt Lake City San Antonio San Diego San Francisco San Jose Seattle St. Louis Tampa Washington DC (Dulles) From: - Select a departure city - Albany, GA Albany, NY Albuquerque, NM Allentown, PA Anchorage, AK Appleton, WI Asheville, NC Athens, GA Atlanta, GA Atlantic City, NJ Augusta, GA Austin, TX Balti-Wash Int'l, MD Bangor, ME Bar Harbor, ME Baton Rouge, LA Billings, MT Binghamton, NY Birmingham, AL Bloomington, IN Boston, MA Bozeman, MT Branson/Springfield, MO Brunswick, GA Buffalo, NY Burlington, VT Butte, MT Champaign, IL Charleston, WV Charlotte, NC Charlottesville, VA Chattanooga, TN Chicago, Midway, IL Chicago, O'Hare Int'l, IL Cincinnati, OH Cleveland, OH Colorado Springs, CO Columbia, SC Columbus - Rickenbacker, OH Columbus, GA Columbus, MS Columbus, OH Corpus Christi, TX Dallas-Ft. Worth, TX Daytona Beach, FL Denver, CO Des Moines, IA Detroit, MI Dulles Int'l, VA Elmira Corning, NY Erie, PA Eugene, OR Evansville, IN Fairbanks, AK Fayetteville, NC Flint, MI Florence, SC Fort Myers, FL Franklin, PA Ft. Lauderdale, FL Grand Junction, CO Grand Rapids, MI Great Falls, MT Greensboro, NC Greenville-Spartanburg Int'l, SC Gulport/Biloxi, MS Harrisburg Int'l, PA Hartford, CT Hayden, CO Helena, MT Hilton Head Is., SC Houston, Bush Int'l, TX Houston, W.P. Hobby, TX Huntington, WV Huntsville, AL Idaho Falls, ID Indianapolis, IN Islip, NY Jackson Hole, WY Jacksonville, FL Jacksonville, NC Jamestown, NY Juneau, AK Kalispell Glcr Pk, MT Kansas City Int'l, MO Kansas Municipal Airport, MO Ketchikan, AK Key West, FL Klamath Falls, OR Knoxville, TN Lafayette, LA Las Vegas, NV Lewiston Clarks, ID Lexington, KY Liberty Int'l, Newark, NJ Little Rock, AR Los Angeles, CA Louisville, KY Lynchburg, VA Macon, GA Madison, WI Manchester, NH Medford, OR Melbourne, FL Memphis, TN Miami Int'l, FL Milwaukee, WI Minneapolis, MN Missoula, MT Monroe, LA Monterey, CA Montgomery, AL Morgantown, WV Nashville, TN New Bern, NC New Orleans, LA New York, NY - JFK Int'l New York, NY - La Guardia Newark, NJ Newburgh Stewart, NY Newport News, VA Norfolk, VA North Bend, OR NW Arkansas Regional, AR Oakland, CA OHare Int'l, Chicago, IL Oklahoma City, OK Omaha, NE Ontario, CA Orange County, CA Orlando, FL Oxnard, CA Paducah, KY Palm Beach Int'l, FL Palm Springs, CA Panama City, FL Pasco, WA Pendleton, OR Pensacola, FL Peoria, IL Philadelphia Int'l, PA Phoenix, AZ Pittsburgh Int'l, PA Pocatello, ID Portland, ME Portland, OR Providence, RI Pullman, WA Raleigh Durham, NC Rapid City, SD Reading, PA Reagan National Airport, VA Reno, NV Richmond, VA Roanoke, VA Rochester, NY Rockford, IL Sacramento Int'l, CA Salisbury, MD Salt Lake City, UT San Antonio, TX San Diego, CA San Francisco, CA San Jose, CA Santa Barbara, CA Sarasota, FL Savannah Int'l Airport, GA Seattle, WA Sioux Falls, SD Sitka, AK St. George, UT St. Louis, MO Steamboat Springs, CO Syracuse, NY Tallahassee, FL Tampa Bay, FL Toledo, OH Topeka, KS Traverse City, MI Tucson, AZ Tulsa, OK Vail, CO Valdosta, GA Walla Walla, WA Walton Beach, FL Westchester County, NY Whistler, Canada Wichita, KS Williamsport, PA Yakima, WA Youngstown, OH To: - Select a destination city - Acapulco Antigua Aruba Aspen, CO Banff / Lake Louise, Canada Barbados Belize Bermuda Bonaire Burlington, VT Cabo San Lucas Cancun - Hotel Zone Resorts Cancun - Riviera Maya Resorts Colorado Springs, CO Cozumel Curacao Denver, CO Eagle / Vail, CO Freeport Grand Cayman Grenada Guadelope Guanacaste, Costa Rica Hayden / Steamboat, CO Huatulco Ixtapa Jackson Hole, WY Jamaica - Braco Resorts Jamaica - Falmouth Resorts Jamaica - Montego Bay Resorts Jamaica - Negril Resorts Jamaica - Ocho Rios Resorts Jamaica - Runaway Bay Resorts La Romana London Gatwick London Heathrow Loreto Los Cabos Madrid Manzanillo Mazatlan Mexico City Nassau Negril Nevis Orlando, Fl Paris Puerto Plata, Domincan Rep. Puerto Vallarta Punta Cana, Domincan Rep. Reno, NV Rome Salt Lake City, UT San Juan Santo Domingo St. Barths St. Croix St. Kitts St. Lucia, Hewanorra St. Lucia, Vigie Fld St. Maarten St. Thomas St. Vincent Tobago Tortola,Vir.Gorda,Peter Isl Turks & Caicos Whistler, Canada Whistler-Vacouver, Canada Depart: Mo 01 02 03 04 05 06 07 08 09 10 11 12 Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Yr 05 06 Return: Mo 01 02 03 04 05 06 07 08 09 10 11 12 Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Yr 05 06 Apple Value Package Hotel Only Flight Only Adults: Children: 1 2 3 4 0 1 2 3 4 More Search Options » *Unless otherwise noted,fares do not include all applicable taxes,charges and government imposed fees. More details



Hotel Travel

Boston Travel and Hotels - Travel Ape Boston: Guide to Hotels, Travel and Tourism Boston Travel Guide ** Boston Hotels, Travel and Tourism · Hotels · Cars · Vacations · Vacation Rentals · Cruise · Tickets · Travel Guides Boston Attractions Dining NightLife Recreation Arts Events Hotels Your Guide to Boston Welcome to Travel Ape - Boston, your online travel and tourism guide to the city that never sleeps! We provide comprehensive information about landmarks, arts, nightlife, dining, entertainment and more, complete with all the lodging and transportation information needed to make enjoyable and efficient your trip to Boston! Best Western Hotel Tria Deals starting at $89.95 per night! Hyatt Regency Boston Hotel Deals starting at $99.95 per night! Comfort Inn North Shore Hotel Deals starting at $59.95 per night! Doubletree Club Bayside Hotel Deals starting at $79 per night! Movin' Out In case the title sounded familiar, Movin' Out is a theater production created around the great songs of Billy Joel. Movin' Out is a story of six friends, told over two decades, and the turbulence, joy, sorry and fun their lives take them on as they ..... buy tickets David Copperfield David Copperfield: An Intimate Evening Of Grand Illusion is an affecting, life-changing event that reaches into the audiences' minds and hearts and takes them on a feast of wish fulfillment. Displaying his off-the-cuff brand of humor, Copperfield bre..... buy tickets Upcoming City Events Little Women Boston Opera House, January 22..... more Big Head Todd Avalon-ma, January 29..... more Pogues Orpheum Theatre-ma, March 15..... more Boston Bruins Td Banknorth Garden (fleet Center), April 13..... more Featured Hotel Millennium Bostonian Hotel Located at 26 North Street, the Millennium Bostonian Hotel is a First Class hotel. In terms of service and hospitiality the Millennium Bostonian Hotel is a great hotel. Hotel amenities guest rooms that feature TVs, data ports, alarm clocks, hair... more Featured Nightlife Barhopping OK, so you're thirsty, and you're looking for something a little less traditional than a walking tour of Boston. Charter an Old Town Trolley for a barhopping excursion for groups. This tour - for groups only - runs $350 for up to 31 people for two.... more Featured Recreation Blue Hills State Reservation Museum Only 10 miles south of Boston, you can take in the beauty of this 7,000-acre reservation with its enormous granite monad nocks climbing more than 635 feet. Families can take advantage of 150 miles of hiking, biking and horseback riding paths. In.... more Featured Arts Freebies Some of the best things in life are free, like the summertime 'Free Friday Flicks' at the Hatch Shell. Grab your picnic basket and an old blanket and check out such classics as The Wizard of Oz or E.T.: The Extra-Terrestrial. The Hatch also has free.... more Featured Dining Faneuil Hall One of the premier attractions in downtown Boston remains Faneuil Hall Marketplace, a vibrant, urban area blending old and new. This indoor/outdoor shopping and eating bazaar is situated in the midst of an open-air highlighted festival. Located.... more Featured Attractions Hatch Shell Some of the best things in life are free, like the summertime 'Free Friday Flicks' at the Hatch Shell. Grab your picnic basket and an old blanket and check out such classics as The Wizard of Oz or E.T.: The Extra-Terrestrial. The Hatch also has free.... more Atlanta Atlantic City The Bahamas Baltimore Biloxi Boston Cancun Chicago Daytona Denver Detroit Hawaii Jamaica Key West Las Vegas London Los Angeles Miami New Orleans New York Orlando Paris Philadelphia Salt Lake City San Antonio San Diego San Francisco Tunica Toronto Vancouver Washington D.C. Search Travelape Offers more: Virtual Tours : The Internet has brought about the age of Interactivity this has never been more prevalent than the advent of virtual tours. more Region Maps : Check out are interactive map of some the world's most famous tourist destinations an easy way to navigate all the great spots in the city. more Reviews: Check out what other people are saying about their visit and submit your own review of your favorite visited place. Boston Weather Wed (12/28) Thu (12/29) Intermittant Clouds High 44 Low 40 Rain High 44 Low 40 - 5 Day Forecast - Boston Events! Click on the calendar above for Boston Events Other Boston Links Travel Tools Travel Deals Comments Email a Friend Features Atlanta Modern Metropolis The ever-expanding hub of the southeastern United States, Atlanta has grown from an historic southern city into a huge modern metropolis comprised of prestigious boroughs, corporate and theater districts, modern attractions and more. Few American cities can match the unique blend of past and present of Atlanta .... more Waldorf Astoria Staff Room Waldorf Astoria Staff Room Hotel is on par to the 202 hotels in the city. In New York, Park/50th Waldorf Astoria - Staff Room can be found at 301 Park Ave. Waldorf Astoria - Staff Room New York City contains Hot Tub/Whirlpool, Fitness Facility, and Hotel Parking - $45.00. Room options include: Comfortable.... more © TravelApe.com 2005-2006, all right reserved | Privacy Policy



Cruise Vacation Planner Click

Mediterranean Cruises: Mediterranean Luxury Cruise Lines, Mediterranean Cruise Ships Mediterranean Cruise Vacations: Mediterranean Luxury Cruise Lines, Mediterranean Cruise Ships Site Index Romantic Mediterranean Weddings and Mediterranean Honeymoons Virtuoso Mediterranean Cruises, Vacations and Tour Consultants Mediterranean Luxury Vacations:Call 1 800 330 8820 to book. Open every day! Mediterranean Vacation Islands Balearic Islands Vacations Adriatic Islands Vacations Aegean Islands Vacations Crete Vacations Ionian Islands Vacations Saronic Gulf Vacations The Dodecanese Vacations The Cyclades Vacations The Sporades Vacations The Thracian Island Vacations Mediterranean Vacation Destinations Albania Algeria Amalfi Coast Vacations Corsica Corfu Island Vacations Croatia Vacations Cyprus Egypt Vacations France Vacations French Riviera Vacations Greece Vacations Ibiza Isle of Capri Vacations Israel Italy Vacations Jordan Lebanon Libya Mallorca Island Malta Monaco Vacations Morocco Vacations Slovinia Sardinia Vacations Sicily Vacations Spain Vacations Syria Tunisia Turkey Vacations The best available price is our starting point. Then we add value through complimentary excursions, amenities, or services. TravelWizard.com can get you a Mediterranean room, or suite, or villa you want, when others can't. We have tons of money saving specials: free nights, free meals, room upgrades, and wonderful inclusions such as free golf and spa visits. We have every airline to Mediterranean, so you can choose the airline you prefer. You get frequent flyer miles on most of them. We can get you discount first class, or business class Mediterranean tickets. You can book your Mediterranean activities ahead of time to assure peace of mind. How do we do it? Simple. We leverage our tremendous buying power! Email this page to a friend Bookmark this page Here you'll find the best of the best Mediterranean luxury hotels & resorts in the Mediterranean. Great Mediterranean luxury cruises . Fabulous Mediterranean yacht charters . Mediterranean small ship cruises . Mediterranean escorted luxury tour packages . France tours , Italy tours , Portugal & Spain Tours , Greece tours , Morocco tour packages , Middle East tours , Egypt tours , Turkey tour packages , Aegean discovery tour. Aegean classical tour. Cultural and historical tours of the Mediterranean Islands . Mediterranean Sea map --- The Mediterranean is one of the most popular vacation destinations in the world. Charming people, beautiful islands rich in history, and food to delight the most discerning. There are over 2000 islands in the Mediterranean to choose from. The Mediterranean is the world's largest inland sea. The Mediterranean connects with the Atlantic Ocean through the Strait of Gibraltar; with the Black Sea through the Dardanelles, the Sea of Marmara, and the Bosporus; and with the Red Sea through the Suez Canal. Its chief divisions are the Tyrrhenian, Adriatic , Ionian Islands , and Aegean Islands ; its chief islands are Sicily Island , Sardinia , Corsica, Crete , Cyprus , Malta , Rhodes, The Dodecanese , the The Cyclades , The Sporades , The Thracian Islands the Balearic Islands of Ibiza Island , Mallorca Island , and the Ionian Islands . The Mediterranean's most popular destinations are the French Riviera , Italy's Amalfi Coast , the Isle of Capri , Portofino , and the City of Dubrovnik in Croatia. Why Should You Use our Virtuoso Mediterranean Luxury Travel and Cruise Specialists to plan your Vacation? We are Virtuoso, "Specialists in the Art of Travel". Described by Conde Nast Traveler as "one of the finest agencies...a reliable indicator of experience, knowledge, and industry clout." We are recommended by the Discovery Travel Channel, the Today Show, Conde Nast Traveler, Forbes Magazine, ESPN TV, Fine Living TV, Neiman Marcus Awards Program and National Geographic. Our Virtuoso Mediterranean Vacation Specialists offer exclusive insider connections and industry expertise on luxury vacations- along with the guidance and know-how you require to make educated travel choices. We are very innovative, add valuable solutions that consistently exceed our customers expectations and strive to always provide the ultimate travel experience. Travelwizard.com, a Virtuoso Member, was just picked by the NBC Today Show to orchestrate the perfect honeymoon destination for their " Throws a Wedding " show. We are very proud that the Today Show turned to Travelwizard.com to find the perfect honeymoon. Travelwizard.com's renowned South Pacific specialists designed the perfect honeymoon to Turtle Island, in Fiji that was chosen for the NBC Today Show. Have you ever dreamed of chartering a luxury yacht in the Mediterranenan with a professional crew and cruising to a beautiful Mediterranean island? We can make your Mediterranean dream come true. Whether your a first time yachtsman, or if this will be your first adventure on the blue sea, you'll find that the Mediterranean is one of the most popular places on earth for sailing, cruising, yachting, appreciating the diverse island cultures, stunning island beaches, and beautiful climate. There are dozens of Mediterranean cruises and windjammers to chooses from. We also have hundreds of spectacular private yacht charters available. The crystal clear blue seas of the Mediterranean have over 2000 islands, each inviting you to explore its unique beauty. Mediterranean cruises are fabulous vacations. There is such a diverse selection of Mediterranean Islands to choose from its hard to choose which island to try first. The birth of civilization was born in the Mediterranean Islands, and cultural excursions are extremely popular in the islands. If you enjoy rich history, you will love the Mediterranean Islands. Scuba diving in the Mediterranean Islands is unique, being the cradle of civilization the bottom is littered with historical artifacts. Some of the world's most exotic, romantic resorts await your visit. They have spectacular spas, scuba diving, historical tours---you name it, the Mediterranean is one of the best places to choose your vacation. Overwhelmed by all the Mediterranean choices? Don't worry, let us orchestrate your dream vacation. Our Virtuoso--- Mediterranean Travel and Cruise Consultants are experts in every intimate detail regarding your vacation request---just click on our, "Mediterranean Vacation Planner" at the top of this page and we will be happy to assist you at no extra charge. Book Your Mediterranean Vacation Submit a vacation planner to our Mediterranean Vacation Specialists Client Testimonials about our services Search Your Vacation, Tour or Cruise Mediterranean Accommodations Europe Luxury Hotels & Resorts Europe Hotels and Villas Luxury Hotels of the World Luxury Resort of the World Luxury Villas & Homes Mediterranean Luxury Tours Crystal Cruises Mediterranean Dalmatian Coast Exploration Treasures of the Aegean Hidden Gems of Europe Highlights of France Southern France to Paris Treasures of the Mediterranean A Week In... the Mediterranean Treasures of the Aegean Route of the Old Wine Traders Mediterranean Economical Tours Mediterranean Splendor Cruise Spain, Portugal & Morocco Moroccan Adventure The Best of Italy & Greece Classical Greece Aegean Discovery Aegean Classical The Golden Fleece Grand Mediterranean Cruise West Mediterranean Cruise Grand Tour of the Balkans Grand Tour of Egypt Egyptian Splendor Turkish Delight Mediterranean Yachting Mediterranean Vacation Specials Virtuoso Europe Cruise and Resort Specials Imagine the romantic luxury vacation setting of your dreams. A Mediterranean beach. Think of the love of your life beside you. Then imagine a carefree Mediterranean vacation with all the details taken care of by our competent staff. Travel Wizard.com, specializes in romantic Mediterranean getaways. We know all the most romantic places in the Mediterranean to put you in a private paradise on your own. Email this page to a friend Bookmark this page Full Service Mediterranean Vacation Planner Click here to save money, time and stress planning, making reservations, or booking your Mediterranean vacation with our full service Virtuoso Mediterranean Vacation Specialists . We are recommended, authorized Virtuoso Mediterranean Vacation Specialists, and can arrange every little detail to make sure you have a wonderful, carefree experience at no extra charge! You may call our Virtuoso Mediterranean Vacation Specialists, but first, we'd really appreciate it if you complete our "Luxury Vacation Planner" so we have all your requirements beforehand and are prepared to present you with all your options and up-to-the-minute specials. Thank you very much! Call 1- 800 -330 -8820 to book your Mediterranean vacation . Full Service, Mediterranean Tour Vacation Planner Click here to save money, time and stress planning, making reservations, or booking your Mediterranean luxury tour vacation with our full service Virtuoso Luxury Tour Consultants. We can arrange every little detail of your tour vacation, including air, and pre-tour and post-tour arrangements to make sure you have a wonderful, carefree Mediterranean tour vacation experience at no extra charge! When you complete our "Luxury Tour Vacation Planner" our Virtuoso--Mediterranean Vacation Specialists will promptly call you, provide you with their direct toll free telephone number, all your options, and up-to-the-minute specials . Call 1- 800 -330 -8820 to book your Mediterranean luxury tour vacation . Full Service, Mediterranean Luxury Cruise Vacation Planner Click here to save money, time and stress planning, making reservations, or booking your Mediterranean luxury cruise vacation with our full service Virtuoso Luxury Cruise Consultants. We can arrange every little detail of your Mediterranean cruise vacation, including air, excursions, and pre-cruise and post-cruise arrangements, to make sure you have a wonderful, carefree vacation experience at no extra charge! When you complete our " Luxury Cruise Vacation Planner" our Virtuoso--Mediterranean Cruise Specialists will promptly call you, provide you with their direct toll free telephone number, all your options, and up-to-the-minute specials . Call 1- 800 -330 -8820 to book your Mediterranean luxury cruise . 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All of our promotions are subject to change without notice. As a result, prices will not be guaranteed until booked. State of California seller of travel License # 2061139-40 We are on the Better Business Bureau Honor Roll. Travel Agent Career Opportunities Contact Information Advertise with Travel Wizard 1998 TravelWizard.Com, Mediterranean Vacation Dept. All rights reserved.



Germany Travel > Pictures

Pictures of Germany - Germany Travel Photos and Landscape Pictures  You are here: About > Travel > Europe for Visitors > Germany Austria Switzerland > Germany Travel > Pictures of Germany Travel Go Europe Essentials European Vacation Planning Map Europe Travel 101 - Before you Go European Distances The Best of Europe European Photo Gallery Articles & Resources Europe Travel Planning What to do In Europe Lodging - Hotels and More European Travel Maps Sex and Nudism Travel Photography Transportation Benelux Countries France Germany Austria Switzerland Greece Italy and Malta Travel Info Scandinavian Travel Spain and Portugal United Kingdom and Ireland Buyer's Guide Before You Buy Top Picks Italy Travel Guidebooks Europe Travel Guidebooks German Travel Guidebooks Product Reviews Forums Help FREE Newsletter Sign Up Now for the Europe for Visitors newsletter! See Online Courses   Search Europe for Visitors Pictures of Germany - Germany Travel Photos and Landscape Pictures Here are pictures of Germany's best tourist destinations. Germany is popular with tourists, and sometimes choosing your destination by pictures is a reasonable way to decide where to go in Germany. Articles & Resources Sort By : Guide Picks | Alphabetical | Recent Up a category Cologne Cathedral Picture Cologne's Cathedral is immense, and stands close to Cologne's central train station. Cologne Germany Pictures Cologne Germany Pictures - A gallery of pictures making up a virtual tour of Cologne. Get the sense of the city from these pictures. Dachau Memorial Concentration Camp Pictures Somber reminder of the attrocities committed in Nazi Germany. (8 pictures) Dinkelsbuhl Pictures Dinkelsbuhl is one of my favorite romantic road destinations, featuring an intact wall with towers, lots of artists and craft shops, half-timbered houses and more. Take a virtual tour with our pictures. Heidelberg Pictures Pictures of Heidelberg, a very pleasant tourist destination on Germany's Castle road. 5 more Articles & Resources below Articles & Resources more from your guide Leipzig Pictures Leipzig has a great many attractions for the tourist, including a three-level train station with lots of shopping opportunities. (12 pictures) Nuremberg Germany Pictures - Oriel Windows Know what an oriel window is? Nuremberg has many. Nuremberg Pictures Nuremberg, the second largest city in Bavaria, has a lot to offer the tourist. (12 pictures) Rothenburg Pictures Pictures of Rothenburg, Rick Steves' favorite city along Germany's Romantic Road. Schwabisch Hall Pictures Pictures of Schwabisch Hall, a village along Germany's Castle Road, that is one of the most asthetically pleasing towns in southern Germany. (10 pictures)        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About New Video iPod - Review POLL: Must-Have Gadgets VIDEO: Portable Gaming VIDEO: Choosing a TV Hugh Hefner's Life What's Hot Power Adapters Noord-Holland - Delights of North Holland Travel Visiting Pompeii Italy Guidebooks Naples - Getting There Headlines Antwerp Pictures Antwerp is a fashion and diamond center for Belgium and... Like to Travel Well? Follow the CIA! I really should have paid attention when the CIA came... Tapas from Cans? Ok, so you wander into one of Barcelona's most celebrated... North Holland: Noah's Ark Redux A pious north Holland businessman took out a 300 000...



Travel Insurance

QBE Insurance Group - Home Page If you can read this your browser does not support javascript or this feature is currently switched off. Please update your browser using one of the following links or enable javascripting via your browser settings. Click here to download Internet Explorer 6 Click here to download Mozilla QBE Insurance Group "QBE Insurance is Australia's leading International General Insurance and Reinsurance groups and one of the to 25 world wide." Core underwriting entities Standard & Poor's Rating = A+ Our Vision internationally recognised as a highly successful general insurance and reinsurance group; a builder of shareholders' wealth; a developer of "can do" people; and an organisation that excels in the continuous delivery of new and proven quality products and services. Our Values increasing the long-term wealth of shareholders; customer satisfaction and retention; employee satisfaction; and integrity. Divisions Group Annual Report Press Releases Shareholder Centre Financial Centre Webcasts Australia "QBE Insurance Australia, protecting people in all walks of life - from the home to the office and beyond" From our humble beginnings as the North Queensland Insurance company we have grown into a sophisticated provider of general insurance products. Our strength is our diversity. We provide over nine broad categories of general insurance. We provide comprehensive protection for peoples' homes, their lifestyles, their work environments. As a group, QBE works together to improve our customer service, our technology and our products. QBE Insurance - Aviation QBE Insurance - Commercial - QBE Mercantile Mutual QBE Insurance - Compulsory Third Party - CTP QBE Insurance - Corporate QBE Insurance - Personal - WQBE - Western QBE QBE Insurance - Professional Liability QBE Insurance - Surety QBE Insurance - Trade Credit QBE Insurance - Travel QBE Insurance - Workers Compensation Application for Credit Limit Endorsement QBE Insurance - Europe QBE Insurance - Asia Pacific QBE Asia Pacific: Our Vision Increasing Accountability Local Knowledge - Specialist Expertise Thriving on Complexity Our Vision - QBE Asia Pacific We aim to be recognised within the Asia Pacific markets as: a highly successful provider of specialist insurance solutions a team of results-oriented entrepreneurs with high levels of expertise and integrity a strong and ethical business partner an organisation that thrives on innovation and excels in the delivery of quality products and services a builder of customer value and shareholder wealth Increasing Accountability & Litigation For Asia Pacific companies to thrive in today's challenging business environment, they must be smarter, quicker and more entrepreneurial. They constantly face new business exposures and challenges arising from government regulation and common law. The margin for error has been squeezed in business today, and managers are confronted by the global trend of increasing accountability and litigation. They need specialist insurance solutions, backed by technical expertise. Equally as important, they need risk management experts with specialist knowledge who can translate the global into practical solutions at the local level - and then provide the on-the-ground resources when they are needed most. QBE Asia Pacific Operations has developed considerable strengths to best serve clients. Our history of commitment to the Asia Pacific markets means that we've developed a wealth of knowledge and experience. Local Knowledge - Specialist Expertise Five of our operations were established in the late 1880s, and four more were established in the early 1890s. Building on this strong foundation, we entered four additional markets in the 1970s and 80s, and five more in the 1990s. We now have over 18 QBE operations in various markets throughout the Asia Pacific region. Each market features different characteristics and dynamics, and local market knowledge can make all the difference for clients. For example, QBE operates in: Mature markets such as Singapore, New Zealand and Japan Emerging markets such as Indonesia and the Philippines Developing markets such as Thailand and Malaysia Small markets characterised by tightly knit communities, such as Vanuatu and Micronesia Markets that are rapidly moving toward more open economies, such as Vietnam and China Markets that have seen new opportunities emerge from the return to their motherland, such as Macau and Hong Kong Markets that operate under French customs and law, such as New Caledonia and French Polynesia Markets that have experienced political and social upheavals, such as Fiji, Papua New Guinea and the Solomon Islands In each of these markets, local knowledge is invaluable. And with the internationalisation of trade and business practice, businesses also need an underwriter with specialist insurance expertise, vast global experience and solid financial strength. Thriving on Complexity Ours is a complex business, and we thrive on that challenge. It is also a dynamic one, with growth driven by an acquisition strategy and a commitment to the professional development of our local teams. We are a grass roots company that is international in every sense of the word. The combination of local knowledge and specialist expertise provides important benefits to clients and intermediaries. In Asia Pacific, it's the QBE difference! QBE Insurance - QBE Asia Pacific - Specialist Risks Unit QBE Insurance - QBE Asia Pacific - Marine Risks Network QBE Insurance - QBE Asia Pacific - Hong Kong QBE Insurance - QBE Asia Pacific - Indonesia QBE Insurance - QBE Asia Pacific - Macau QBE Insurance - QBE Asia Pacific - Mainland China QBE Insurance - QBE Asia Pacific - Malaysia QBE Insurance - QBE Asia Pacific - Philippines QBE Insurance - QBE Asia Pacific - Singapore QBE Insurance - QBE Asia Pacific - Thailand QBE Insurance - QBE Asia Pacific - Vietnam QBE Insurance - QBE Asia Pacific - Fiji QBE Insurance - QBE Asia Pacific - French Polynesia QBE Insurance - QBE Asia Pacific - Japan QBE Insurance - QBE Asia Pacific - Micronesia QBE Insurance - QBE Asia Pacific - New Caledonia QBE Insurance - QBE Asia Pacific - New Zealand QBE Insurance - QBE Asia Pacific - Papua New Guinea QBE Insurance - QBE Asia Pacific - Solomon Islands QBE Insurance - QBE Asia Pacific - Vanuatu QBE Insurance - the Americas QBE Insurance Group Limited, is an insurance and reinsurance company publicly traded on the Australian Stock Exchange. Its history dates back over 116 years when the Company was founded in Australia. Since then the Company has grown to have operations in 47 countries with over $2 billion dollars of capital writing in excess of $3 billion dollars in premium. QBE the Americas operations commenced in 1986 when the QBE Insurance Group established a presence in the U.S. QBE the Americas now conducts business through its five companies, QBE Reinsurance Corporation, QBE Insurance Corporation, QBE Aseguradora de Riesgos del Trabajo S.A.,Argentina, QBE Del Istmo, Panama and QBE Brasil Seguros S.A. Lloyd's The Lloyd's division comprises QBE's share of the Lloyd's syndicates managed by Limit. The 2001 results are the first to contain a full year of activity from the acquisition of Limit in August 2000. Gross written premium for the Lloyd's division was $2,182 million, compared with $547 million last year. Net earned premium was up 273% to $1,365 million. Significant progress was made during 2001 towards achieving the objectives set out in last year's annual report. The rationalisation of the structure of the Lloyd's division continued with the merger of syndicates 79 and 2999, the closure of the under-performing syndicate 456 and the disposal of the property and aviation syndicate 318. This resulted in a significant reallocation of QBE's capital towards its best performing Lloyd's syndicates. Our exposure to poor performing US liability business was significantly reduced. QBE is now the sole capital provider to each of Limit's syndicates, other than syndicate 386 where our share has increased to over 40%. For the 2002 underwriting year, QBE provides 78% of Limit's aggregate capacity compared with 72% in 2001. The tragic events of 11 September overshadowed the year and the World Trade Center (WTC) loss had a significant impact on performance. In addition, upgrades were made to prior year outstanding claims provisions, principally to reflect adverse development on US liability business seen across the market. These upgrades have been substantially mitigated by reinsurance protections and provisions established on acquisition to allow for deterioration. Consequently, the result for the year largely reflects the performance of the 2001 underwriting year. The claims ratio was 72.9%, compared with 59.4% for last year. The combined operating ratio was 108.6%, compared with 101.1% last year. Excluding the WTC loss, the combined operating ratio would have been 101.0%. The movement in the commission ratio from 27.3% to 24.6% reflects the change in the mix of business during 2001. The decrease in the expense ratio from 14.4% to 11.1% reflects the synergies and savings delivered by the integration of QBE's former Lloyd's operations with Limit, partly offset by residual post acquisition integration costs during the year. 2001 was a transitional year in the market cycle with the rate increases anticipated at the start of the year not materialising until at least the middle of the year and, in some cases, not until after the impact of 11 September. We are now seeing substantial increases in premium rates across all classes of business underwritten within the Lloyd's division. These rate increases, together with a high level of business retention, new business opportunities and the reallocation of QBE's capital, should ensure profitability for the 2002 underwriting year. Our objectives for 2002 are to: take advantage of the dramatically improved rating environment and return all areas of underwriting to strong profitability; seek further rationalisation of the underwriting and operating structure in order to improve capital efficiency and our expense ratio; acquire further capacity on syndicate 386 as it becomes available; and be actively involved in the reforms proposed for the Lloyd's market. Our business at Lloyd's remains highly dependent upon the quality and commitment of our underwriters and their business franchise. I thank them for their efforts and achievements, which have ensured that QBE's Lloyd's division is now ideally positioned to take advantage of the hard market conditions now prevailing at Lloyd's. Steven Burns, Managing director, Lloyd's division Global Trade Credit "QBE Trade Credit, World-Wide credit solutions in an increasingly volatile business environment" QBE's Trade Credit underwrites $30bn of domestic and export trade credit from units in Australia, New Zealand, Asia and Europe having extensive experience in assessing risks in over 150 markets. We are a Standard and Poors A+ rated company. Supported by a product range of tailored solutions to your credit needs, QBE is uniquely placed to offer our clients the opportunity to conduct business in a secure environment. Established in 1962, we have in the last four decades risen to become the largest Australian Insurer offering both Domestic and Export trade credit insurance and have expanded offshore to service our clients locally around the world. QBE Re QBE Re is a leading global reinsurer providing treaty and facultative reinsurance, direct insurance, and other financial products to its varied clients. QBE Re conducts business through three Divisions: Australia, Europe, and the Americas. As a global reinsurer, QBE Re underwrites traditional and financial products covering all major lines and classes of business. Through its divisional network of companies, QBE Re excels in providing regional expertise and service tailored to local-market needs. For additional solutions from QBE Re, please visit our local teams: QBE Insurance - Australia QBE Insurance - Europe QBE Insurance - the Americas




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