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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

Travel Insurance - Holiday

Cheap Travel Insurance UK - Buy Online Holiday or Business Cover - PHA -- -- Cheap Travel Insurance - Buy Online from PHA UK, Europe, USA/Canada & Worldwide The Home of Low Cost Travel Insurance - Holiday or Business Cover - Trip - Long Stay - Winter Sports - Annual Multi-trip Cheap Travel Insurance Online Regulated by the Financial Services Authority Airport Car Parking Airport Car Parking at Gatwick, Heathrow, Stansted, Manchester & all major UK Airports+ Cheap Airport Car Hire 4000 Destinations > Airport Parking < > Airport Car Hire < Retrieve a Policy Customer Log-in Click on the flag where you are now - UK Residents Regulated by the Financial Services Authority NOTICE: Temporary Server Problems. Please use www.travelwithinsurance.com -- US/Canada Residents EC Residents Rest of the World -- " Martini" Policy UK residents policies are regulated by the Financial Services Authority CHECK OUR OTHER SITES & SAVE MONEY ON:- Home Insurance Health Insurance Pet Insurance Car Insurance Financial Regulated by the Financial Services Authority Ask for help or information on any travel matter, or offer your advice to others. Country-specific travel advice from the Foreign & Commonwealth Office . Click here to bookmark this site (IE browsers) PHA Travel have been offering independent advice on Health and Travel Insurance since 1995. Now in our 10th year, this site provides our best, selling value for money Travel Insurance from a range of reputable travel insurance companies. All policies are underwritten at Lloyds of London or through international travel insurance providers. You can obtain an instant quotation for your travel insurance within seconds, and you can buy online with a generous discount via a 128bit SSL secure server. You can print off your personalised travel insurance policy in only 4 minutes or print it later if you are at the office. Our experienced Customer Advisers are available 6 days a week via our online Chat Service or travel insurance call centre. For convienience we can send your Travel Insurance details to you mobile phone so you can always have your Travel Insurance Policy details to hand. It's easy, safe and secure to buy your travel insurance with PHA as we've been offering secure online purchasing longer than most companies have been trading. You are only one click away from saving on your travel insurance so hurry and join the thousands of satisfied PHA customers who keep coming back for low cost great value travel insurance. Whether you travel on business or on holiday, click and enter the most popular Travel Insurance web site in the UK today and join the PHA Travel Club. Don't forget to add this site to your favourites as we know you will just keep coming back for your travel insurance year after year. Great Value for money cheaper travel insurance from PHA Travel. SIMPLY THE BEST CHOICE FOR YOUR TRAVEL INSURANCE Low Cost Insurance Policies TRAVEL ADVICE SECTION Travel Tips Travel Information & Articles Foreign Currency/Holiday Money PHA Travel.com, 1173 Bristol Road South, Northfield, Birmingham, B31 2SL Tel 0870 7700 943 Intl UK 44 870 7700 943 Fax 0870 7700 941 Home Page | UK Residents | EU Residents | US/Canadian Residents | About PHA | Travel News | Privacy Policy | Contact PHA Travel Tips | Retrieve an Existing Policy | Tell Your Friends | FAQ | Laptop Insurance | Free Affiliate Program | Links PHATravel.com is a trading style of PHA Insurance Services Ltd - Registered Office: 1173 Bristol Road South, Northfield, Birmingham, B31 2SL, England, Companies House registration number 5092395 (England). PHA Insurance Services Ltd is directly authorised by the Financial Services Authority - ref. no. 418244. Cartoons by Johnny Merritt

Air Travel agents -

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Germany Travel Stories Germany

Germany Travel Stories Archives: BootsnAll Travel Network Visit other BootsnAll sites: BootBlog | Bali | London | Australia | Written Road | Travel News Daily Home | Ask an Insider | Members Forum Plane Tickets | Youth Hostels | RTW Guide About Us | Advertising | Contact | RSS | Staff First Time Visitor? Home » Germany » Germany Travel Stories Germany Travel Stories A Wurst Case Scenario - Rothenburg, Germany Lee Hammerschmidt samples gritty, grimy, lumpy...blutwurst. The Heart of the Black Forest - Black Forest, Germany Jen D. Rodriguez finds the heart of the Black Forest when staying at the Familie Sum. Don't Go to Berlin - Berlin, Germany Berlin is a city full of drunk, ornery, rude, tourist-haters. According to Leif Pettersen, it is a city that will take your money and dignity and give you nothing in return. Is This the Train to Oktoberfest? - Munich, Germany When Joanna Grome heads to Oktoberfest, she's surprised to learn that the party starts on the train. Writer's Block in Germany - About 20 km southeast of Stuttgart, Germany Andrew Jenner takes on Germany - and finds the best fodder for travel writing is right under his nose...literally. How I learnt to love the Cathedrals! - Cologne, Germany All it takes is a couple of dollars - and drinks - for Arvind S to appreciate cathedrals. The story of Berlin and Kabaret - Berlin, Germany Arvind S knows discovers there is more to Berlin - and cabarets - that he ever expected. On a Murder Charge! - Garmisch, Bavaria, Germany Pete Day and his friends are picked up for murder in Bavaria. Scenic Koblenz - Koblenz, Germany Namrata Singh discovers the picturesque little towns that dot Germany's famous Rhine River. Danke for the Memories: Oktoberfest - Munich, Germany David M Weber shares his experiences and tips to help future travelers to Oktoberfest survive, and even enjoy it. Cheating Death in the Elbe Sandstone Mountains - Germany Novice rock-climber Christine Wynne experiences some free-climbing in the heart of Eastern Germany. Beer, Toys and Lebkuchen - Germany Recovering from stolen luggage, Joseph Koch makes the most of his time in Germany. 9: No One Told Me I Needed a Bathing Suit - Diary of a Single Girl - Frankfurt, Germany Ria doesn't care how hot and steamy it is, she turns a cold shoulder to stripping off in the German spa. So a Glaswegian Talks German to a Dutchwoman Part 1 of 2 - France, Belgium, Netherlands, Czech Republic, Germany, Italy, Luxembourg, Liechenstein Natives beware: Scott and his friends confused foreign languages all over Europe back in 2001, and are plotting to return. So a Glaswegian Talks German to a Dutchwoman Part 2 of 2 - France, Belgium, Netherlands, Czech Republic, Germany, Italy, Luxembourg, Liechenstein Natives beware: Scott and his friends confused foreign languages all over Europe back in 2001, and are plotting to return. My Favorite Drives - Germany Ever since Jeff P. Porterfield was legally able to put his foot down on an accelerator, he's been striking out on the road in an attempt to feel freedom and experience new surroundings Chasing the Sun #3: Germany, Czech Republic, Switzerland, France From ferry gambling to storks in Waddeweitz, Bamberg smokebeer to flooding in Prague, Bid and Renee see a little of everything. The Year of Living Differently #12: For Butter or Wurst - Enns, Austria to Witten, Germany While her Europe trip was not turning out terribly exciting, Trisha was happy to be able to catch up in person with friends she'd met on the road. Another Day in the Life - Germany Philip Blazdell does his best to dispell the myth that jet setting all over the world on other people's money and calling it work is all glory. Do you believe him? Europe by Auto: Kilometers of Fun If you have a sense of adventure and have an explorer's heart, driving through Europe can be a rewarding experience, according to Laura Foy. A Stay in the Penthouse - Osnabrack, Germany A stopover in Osnabruck leads Dave Zimmerman to a great hostel and a town rich in good food, things to do, and interesting people. Eastern Germany: In the Middle of Europe, but Not Well-Known - Eastern Germany Since 1989, beaches, mountains, castles, gardens and great hiking are now more accessible. Joe Browne suggests some highlights. Germany Stands Tall - Germany Samantha Ehrlich feels like everyone in America is in a rush, while Germany has grown into a traditional, but modern society. It Doesn't Matter Which Road You Take #12 Episode Twelve: Bavaria Revisited Guns, Gummy Bears and Huge Pretzels We arrive at the Termond's house four hours later than planned. We found out that it is possible to catch a train from Kempten to Waltenhofen, but it only... It Doesn't Matter Which Road You Take #9 Episode Nine: Munich European Washers and Apple Vendors We wake up the next morning and pack our bags for Austria. Actually, we are stopping in Munich first, but saying that we are packing our bags for Munich does not... München: the BMW museum in the rain The BMW museum is quite a show, especially for enthusiasts, but beware of "museum syndrome". European Travelogue #12: Berlin, Germany Finishing up the city tours. European Travelogue #4: Munich, Germany Mmm....beer!!! European Travelogue #3: Stuttgart, Germany Clean, organized but very ordinary place. European Travelogue #2: Mainz/Frankfurt (including The Rhine), Germany Entering the country of Oktoberfest. Berlin, Germany Info Brandenburg Gate Let me start off by stating that I love Berlin. This city, which has had so much recent history as well as a more turbulent past, is undergoing gigantic changes since re-unification. I was amazed at the... Munich, Germany Munich (map), home of the Oktoberfest, is located in Bavaria in the south of Germany. The Oktoberfest is held from the last week in September to the end of October. Getting There Munich is well served by the German... Stuttgart, Germany Stuttgart (map) has the reputation of being one of the few cities totally flattened by Allied bombing during the Second World War, because of it's industrial strength. As a consequence, the buildings here are all less than fifty years... Black Forest, Germany There is so much more to this region than trees, cakes and felt hats. Home » Germany » Germany Travel Stories Book It! 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