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

Vacation Rentals Take your

Vacation Rentals By Owner (VRBO), Beach Front Home & Cabin Rentals, Caribbean Villa Rentals Search: -- Home | Find a Rental | List a Rental | Availability Search | -- Forum | SPECIAL OFFERS | Owner Login Vacation Rentals Take your next trip knowing you aren't paying a penny more than you have to. By renting direct from the owner, our site helps you do exactly that. Find the vacation rental you've been searching for! Recent Forum Postings Vacationers: Find your vacation rental //-- You may choose how to view this map: As a Flash Animation | As an image | Automatically Detect //-- Property Owners: List your vacation rental Its free*, easy, and cost-effective. * Free listing for 90 days only. Limit one free listing per customer. -- Rental Quick Search Advanced Search Featured Rentals Massachusetts: Your dream vacation home on Cape Cod! Florida: Gulf Access Waterfront Home Nevada: The Royal Vacation Home Bahamas: "Atlantic Blues" - Secluded beachfront rental Florida: South Beach Miami Oceanfront Condo on the BEACH New Jersey: Very Cute Lakeside Cottage !!! Texas: Not a bed & breakfast room Enjoy a vacation home. Vacation Rentals By Owner (VRBO) At Vacation Home Rentals, it's easy to find beach house rentals, home rentals and cabin rentals all over the United States and beyond. Through our user-friendly and comprehensive service, we make it easy for you to find home rentals in the United States, Europe, the Caribbean, Mexico, Canada, and Asia. Beach Front Home & Cabin Rentals In the Unites States, you can find beach and cabin rentals in all of the fifty states, from California vacation rentals on the West Coast to Cape Cod vacation rentals on the East Coast, and many places in between. We also make it easy for you to find the beach house rentals youve been looking for, whether it's Florida villas down south or Maine vacation rentals far up north. Something More Exotic If you're looking for something more exotic and want to venture out into the Pacific Ocean, we have a large selection of Hawaii vacation rentals. We have all sorts of beach rentals in the majestic Hawaiian islands, from Maui vacation rentals at one of the most beautiful places on Earth, to Kauai vacation rentals on the luscious garden island of the Hawaiian island chain. Beach House Rentals & Holiday Villas Across The Globe We're not just limited to the United States, however. We have beach house rentals and holiday villas all over the globe. We also have Caribbean villa rentals across the region. If youre looking for a European getaway, we have France vacation rentals, or maybe you would like a Tuscany villa . Wherever you plan to take your next vacation, we can help you find the cabin or beach rental you need to have the vacation of your dreams! Contact Us | Become An Affiliate | FAQ | Links | Resources | Disclaimer | Sitemap 2005 ABC Vacation Rentals. All rights reserved. --

Travel Insurance

Family Vacations Honeymoon Packages

Gunflint Trail Minnesota vacation resort- cross country skiing, dog sledding, family, fishing & honeymoon's at Gunflint Lodge Gunflint Lodge A premier wilderness vacation resort in Northeastern Minnesota, on the Gunflint Trail just north of Grand Marais ( location map ) for cross country (nordic) skiing , dog sledding , snowshoing , families , fishing , honeymoons , and horseback riding 1-800-328-3325 Welcome to Gunflint Lodge . Our Minnesota wilderness setting fills your vacation with as much adventure or relaxation as you wish. Our northwoods pine and aspen forest, with deep clear water lakes and lots of wildlife, remains much the same as found by the voyageurs over a century ago. The atmosphere at Gunflint is wilderness elegance and home-away-from-home comfort. We invite you to make Gunflint your place in the northwoods -- a place where you'll arrive as a guest and leave as a friend. You won't merely feel like you belong -- you will know this is your home up north. Winter at Gunflint-main lodge WINTER Cabin rates Wild Winter Package Nordic Ski (Cross Country) Package New Year's Resolution Week Dog Lover's Weekends "Full Moon" Lover's Pkg Women's Weekend Retreats Snowshoe Making Stress Buster Weekend Winter Tracks Festival Massage Weekend "Books in the Woods" Retreat The winter season The snow is getting deeper and deeper The snows keep coming and everything is white and beautiful. The lake has frozen over and the timber wolves are starting to roam about on the ice. Firewood is stacked by each cabin for a warm toasty evening while you are curled up with a favorite book. The deer have started to come in for their winter handouts and we have about a ton of corn stored, as we plan ahead. The crosscountry ski trails are all open and groomed. The trail groomer is out nearly every day setting tracks and keeping everything perfect for excellent skiing. The sled dogs have arrived for the winter and the mushers have them out on the trails every day getting them in shape for trail rides. Guests that came up on our decorating weekends did a bang up job on the lodge and grounds-- the Christmas trees are up and decorated, garlands hang everywhere around the lodge and on the outside light poles, and strings of white lights illuminate the outside of the lodge come evening. Our chef has an all new winter menu that has some very tasty selections. He is featuring more entrees of the country. Among his new choices are an Elk steak, a big double bone pork chop, new walleye recipes, new pasta selections, new salads, and new breads and desserts. Some of our Best Winter Packages Wild Winter Package , Nordic Skiing , New Year's Resolution Week Women's Retreat Weekend , Dog Lovers Weekends Packages and Rates for the upcoming months December January February Some of our best December vacancies January vacancies SPRING Cabin Rates "Best of the Spring" Pkg Riding Weekends Dog Lover's Weekend Women's Weekend Retreats "Thank You" to Past Guests Spring Chores Weekend Fishing Reports SUMMER Cabin rates Family Packages Rustic and Plush Pkg Canoeing Weekends Grand Slam Fishing Pkg FALL Riding Weekends Moose Calling Women's Weekend Retreats Work Weekends Oct School Break Weekend Thanksgiving Weekend BWCAW Canoe Trips by Gunflint Northwoods Outfitters Holiday Decorating Weekends for 2006 YEAR AROUND PACKAGES Honeymoons Anniversary Weekends We thought you might be interested in some of the remodeling projects we have going on this winter. We took cabin 16 (2 bedroom classic cabin) and are just finishing up a major facelift. The cabin has all new panelling (including the ceiling), a huge new rock fireplace, ceramic floors in the kitchen and bathrooms, a washer and dryer, new carpeting and new furniture. The picture on the left was before remodelling, showing the original fireplace and the white ceiling. The picture on the right shows the new rock fireplace being finished and the new panelling. GENERAL INFO Cabin Descriptions Pet Policy Reservation Information Driving Directions Write ups and articles about Gunflint Lodge Employment Lodge History Links A recent guest testimonial: "Thank you so much for making our honeymoon so memorable, something we will be able to tell our children, grandchildren and great grandchildren about. You have a wonderful staff that really care about the customers. We know that there are many vacations spots, but when we found Gunflint we knew that this was the only spot for us!!!!" Matt & Mary Paquette Concord, New Hampshire What's New this Winter at Gunflint Adventure Services There's so much to do here at Gunflint sometimes it can be difficult to know where to start. So we opened an Adventure Concierge office to help you plan your activities during your stay. This person will be available to make recommendations on which ski trails to go on depending on your skill level, which days might be better for snowshoeing, or even booking any popular activities for you before you arrive. Winter Specials Everyone loves a deal so here is our best winter offer. If you're the kind of person who always wants a vacation to last just one more day, we can relate! If you arrive on a Sunday or Monday and spend 3 nights with us, the fourth night is on the house. Dog Sledding For guests staying over Monday throughout the winter we are treating you to a taste of dog sledding by offering you complimentary dog sled rides. Bundle up and hop in the sled, and let our musher and team of eager sled dogs introduce you to an exciting way to traverse the snow-covered trails that wind through the woods. This is always popular so reservations are a must! The complimentary dog sled rides are for guests spending Sunday and Monday nights at Gunflint. While we do reserve the whole day for rides, there is limited capacity. Sleigh Rides For guests staying over Tuesday we will be offering complimentary sleigh rides every Tuesday evening. Big Belgian horses pull the sleigh through the woods and alongside a frozen lake on lit trails beneath a star-filled sky. Homemade hot cocoa awaits you upon your return from this classic north woods experience. Just to be clear, the complimentary sleigh rides are for guests spending Monday and Tuesday nights at Gunflint. This activity is particularly limited in capacity due to size of the sleighs and can only hold 12 people. So it is open to the first 12 people who sign up. If you are interested in reserving a sleigh ride for a different night of the week, call us and we can arrange it for you. As your hosts, we know that your personal time is very valuable to each of you so we continue to refine the details and activities that you will experience. Every detail, from extra towels for the hot tubs, to your fireplace preset with kindling and wood upon arrival, is taken care of. A vacation to the Gunflint highlands of northern Minnesota is unique. The area is remote and pristine, while it abounds with wildlife and panoramic beauty. The countless stars and colorful northern lights will amaze you and your family throughout the winter nights. We invite you to join our family in an area where moose encounters and deer sightings are more common than a visit by your neighbors at home. It would be our pleasure to welcome you and your family to Gunflint Lodge. Your hosts , Lee and Eva Kerfoot (on right) Bruce and Sue Kerfoot (still involved, but starting to travel more) To request printed brochures with more detailed information and pricing, please tell us a little about you and what you like: Contact Information: First Name: Last Name: Address1: Address2: City: State: Select State Not Applicable Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Zip: E-mail: Home Phone: Work Phone: I am interested in: Family Vacations Honeymoon Packages Boundary Waters Canoe Trips Couples Packages Fishing Packages Women's Retreats Conference Center Information XC Skiing and Dog Sledding Riding Retreats Organized Group Canoe Trips Vacation Dates: (mm/dd/yy) Start End Number of: adults children Infants (under 4) Additional comment or questions: One of the founding members of " Distinctive Lodges " A small select group of resorts known for excellence and a family hosting tradition . Anniversary - April Special - Birding - Best of Spring - Scrapbooking - Thank You - Springtime Trails - Cross Country Skiing - Snowmobiling - Wild Winter - Holiday Crafting - Holiday Decorating - Intro to XC Skiing - Summer Family Package - Thanksgiving - Honeymoon - Birthday - Full Moon Lover's - Senior's Biking - Senior's Riding - Senior's Moose Calling - Chef's Table - Everyone's a Critic - Kitchen Kraze - Wine Experience - Girls' Getaway - Fall Fling - Fall Work Weekend - Spring Chores - Sue's Garden Club - Fishing Report - History - Pet Policy - Map to Gunflint - Webcam - Employment - Moose Madness - Books in the Woods - Winter Boreal Birds - Cross Country Skiing - Dog Sledding - Snowshoeing - Honeymoons - Anniversaries - Boreal Birding - Three Night Sampler - Grand Slam Fishing - Autumn Riding - Canoeing Weekend - Couples Riding - Experienced Riders - Fishing Value Package - Grandparent & Grandchild Fishing - Summer Holidays - Intro to Riding - Mother & Daughter Riding - Bring Your Own Horse - Rustic & Plush - October School Break - Senior's Canoeing - Single Parent Family Package - Single Parent Fishing Package - Spring Horseback Adventure - Springtime Trails

Europe Travel Deals Free

MapQuest.Com: Maps, Directions and More Settings Help Mobile Maps Directions Special Offers Show me offers related to: - Select - Hotels Restaurants Flights Rental Cars Jobs Personals Event Tickets Real Estate Apartments Roommates Florists Dentists Mortgage Insurance Lawyers Save on Europe Tours Escorted Europe tours are up to 40% less than traveling independently. tourvacationstogo.com Visit Spain for Less Independent and Escorted Tours Enter to win 2 tickets to Europe www.gate1travel.com $399 London package Includes round-trip airfare and 3 hotel nights in London. Ends 12/30 www.britishairways.com Great Europe Travel Deals Free Air Offer With Reservation. Choose From Our Vacation Packages! www.GoAheadTours.com European Travel Build your Dream Vacation now! More Choices, Flexibility & Savings www.Expedia.com Travel Europe Top quality Low Cost Student Tours Teachers travel free! www.Explorica.com Europe Travel Get a Great Deal On Your Fare By Comparing Multiple Websites! www.travelzoo.com Spain- travel Tradition and modernity in all Spanish cities www.spain.info/TourSpain Travel Hotel Rooms Hotels Travel Insurance Vacations Travel Europe Travel Real Estate Vacation Homes Foreclosures Homes for Sale Commercial Real Estate Real Estate License Real Estate Vacations Vacations Europe Travel Orlando Florida Fishing Trips Vacation Homes African Safari Getaways Europe Travel Orlando Florida Las Vegas Travel Florida Vacations Mexico Vacations Caribbean Vacations About these results: "Sponsored Links" are listings that have been purchased by companies that want to have their sites appear for specific search terms. These listings are administered, sorted and maintained by Google (MapQuest's partner). For information about how Google sorts these listings, go to http://adwords.google.com/ and click on the 'Advertise with Us' link. Company Advertise Business Solutions Link to MapQuest Toolbar Privacy Legal ©2005 MapQuest, Inc. All rights reserved.