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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



Hotel Travel

TELECOM '04: Hotel and Travel -- Hotel and Travel Venetian Hotel and Convention Center 3355 Las Vegas Boulevard South Las Vegas, NV 89109 www.venetian.com Phone: (702) 414-1000 or toll free at (877) 283-6423 The deadline to reserve a room at The Venetian Hotel in the TELECOM 04 room block has passed. We recommend that you still check availability at The Venetian Hotel to make your reservation. For reservations at other properties, one option is Quickbook . Important Information for Confirmed Venetian Reservations: Deposit & Cancellation policy: The hotel requires a first night deposit of suite and tax charges, per suite, to guarantee accommodations. Deposits must be received no later than fourteen (14) days after the reservation is made. The refunding of deposits will only be made when individual suite reservations are cancelled at least fourteen (14) days prior to the scheduled arrival date. Check-in time: 3:00 p.m. Check-out time: 11:00 a.m. Guaranteed reservations will be held until midnight on the reserved date. Transportation Information Airline Discounts United Airlines is the official airline for USTA TELECOM 04 conference attendees. If you or your travel agent call United's toll-free number 1-800-521-4041 to book your reservations, you will receive a 5% discount off the lowest applicable discount fare, including First Class or 10% discount off full fare unrestricted coach fares, purchased 7 days in advance. An additional 5% discount will apply when tickets are purchased at least 30 days in advance of your travel date. Discounts also apply on Shuttle by United and United Express. Call United's specialized Meeting Reservations Center at 1-800-521-4041 to obtain the best fares and schedule information. Make sure you refer to Meeting ID Number 522AG. Dedicated reservations agents are on duty 7 days a week from 8:00 AM to 10:00 PM EST. Car Rental Avis car rental is offering discounts for USTA TELECOM 04 conference attendees. Detailed information can be found by visiting www.avis.com/AvisWeb/html/bridge/assoc/offer/go.html?A544100 ( case sensitive ). Please reference the following Avis Worldwide Discount Code: A544177 to receive the discount. To reserve a car, contact Avis at 1-800-331-1600 and use your Avis Worldwide Discount (AWD) number A544177 . Or reserve online and have your discount number automatically included in your reservation and receive an email confirmation.



Disney Vacation

DLT: Disneyland Tokyo Home -- Back to Previous Page Theme Parks Photo Gallery Disneyland Disneyland Paris Disneyland H.K. Disneyland Tokyo - Adventureland - Critter Country - Fantasyland - Tomorrowland - Toon Town - Westernland - World Bazaar Walt Disney World Last revised 16-Dec-2000 . [ Whats New? ] NOTE: Don't get caught out with the wrong credit card at Tokyo Disney . . . . Tokyo Disneyland first opened to the public at Urayasu, just outside Tokyo on 15th April 1983, twelve years after The Magic Kingdom opened at Walt Disney World, and twenty eight years after the original Magic Kingdom theme park opened at Disneyland in Anaheim California. After the considerable success of Disneyland, and later the Walt Disney World resort in Florida, The Disney Company were approached by various countries, all eager to share in the tourist industry the Disney theme parks sparked. In Japan, The Oriental Land Company owned a sufficiently large enough parcel of land that had been reclaimed from Tokyo Bay, which was to be used for recreational purposes. The area also satisfied the other key requirement for Disney, in that it had a large local population within a 30 mile radius. The Japanese were frequent visitors to Disneyland, and subsequently to Walt Disney World, and so it was decided that it would make an ideal location for a third Disney theme park, which would be built along the same lines as the previous two existing Disney theme parks, rather than building a park with a distinct Oriental theme. The weather in the Tokyo Bay area however is far more changable than in Anaheim or Orlando, so the Disney Imagineers planned a glass-roofed World Bazaar area instead of the usual Main Street to greet visitors when they first entered the new park. The attractions were also designed with more covered areas than at the other Disney parks. One of the unique things about Tokyo Disneyland is that the various lands are not accessed by the central hub, but instead by a series of paths that branch off of the Main Street. The one main concession to the fact that it was Disney's first major theme park outside of the USA is the "Meet the World" attraction, that uses Audio Animatronics to deal with Japanese History. The now standard attractions of Big Thunder Mountain Railroad, Star Tours, and Splash Mountain have all been added to the park since it was initially opened, and as a result Tokyo Disneyland regularly attracts more than 10 million guests each year. Tickets for the park can be bought from several locations, but are probably best bought at the main park entrance. Unlike the original Disneyland in Anaheim, and later Walt Disney World in Florida, Tokyo Disneyland doesn't have it's own Monorail system, however if monorail rumours are to be believed this may soon change. The full address for the Tokyo Disneyland theme park is: Tokyo Disneyland Park 1-1, Maihama, Urayasu-shi, Chiba 279, Japan Ttel: 047(354)0001 Solarius.Com Vacation Planner Home Walt Disney World Disneyland Disneyland Paris Disneyland Hong Kong Solarius. All rights reserved. Terms of Use



Spain travel! TripAdvisor SmartDeals

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Visit our Spain discount hotels page for great savings on Spain hotels, including TripAdvisor SmartDeals. Looking for vacation packages to Spain? We've got deals including hotel and airfare. Book a flight to Spain on our Flights page. About TripAdvisor TripAdvisor lists special deals and discounts on great vacation packages and travel packages to Spain, Europe. Recommendations for hotels, resorts, inns, vacations, travel packages, travel guides and lots more! Visit TripAdvisor in another language: About Us | Membership | Site Map | Become an Affiliate | Top Cities | Hotel Reservations | Hotel Deals | TripAdvisor Gear Popular Hotels: 1 , 2 , 3 , 4 , 5 , 6 , 7 , 8 , 9 , 10 , 11 , 12 , 13 , 14 , 15 , 16 , 17 , 18 , 19 , 20 , by city TripAdvisor Recommends: Las Vegas hotels , London hotels , Paris hotels , Rome hotels , New York City hotels , Chicago hotels , Orlando hotels © 2005 TripAdvisor, Inc. All rights reserved. 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South America Travel

Adventure Associates | Antarctica, Arctic, South America Expedition Cruises Home Antarctica Arctic Latin America Oceania Africa Bhutan Madagascar Worldwide Calendar Intro eNews Adventure News Rhumba, sway to the rhythm of South America! 16 April to 14 May - 2 to 24 July - 1 to 23 October 2006 - 22 Days The continent of South America has captivated us and our many thousands of clients for over thirty years. This huge multifaceted landmass contains such incredible diversity and virtually limitless adventure possibilities, that one meagre lifetime is barely enough to experience all it has to offer. Designed for the first time visitor to South America, our acclaimed Rhumba tour distils Adventure Associates’ extensive knowledge of the world’s fourth largest continent. Beginning in cosmopolitan Buenos Aires, we fly to Lima, the capital of Peru, to enjoy the wonderful legacy of Spanish colonial architecture. We venture to the near-silent serenity of the Amazon jungle, travelling by boat to Ceiba Tops, a luxury resort located directly on the Amazon and just 40 kms from Iquitos. You’ll spend three days exploring the primordial beauty of undisturbed Amazonian jungle including a trading visit with the local Yagua Indians, one of the few native tribes still living by traditional means. A tour of the famous former Franciscan mission town of Indiana is planned. The town is home to a thriving river community with a colourful market where it’s possible to buy unique and authentic souvenirs. Then it’s on to Cuzco and the crowning jewel of South American archeology, Machu Picchu, the fabled “Lost City of the Incas”. Journey from Peru to Bolivia by train and hydrofoil across Lake Titicaca, and on to the world’s highest city, La Paz in Bolivia, one of the central points of the ancient Inca civilisation. Fly to famous Rio de Janeiro with three days of sightseeing and relaxing in the sun and on to astonishing Iguazú Falls, the world’s widest and most spectacular cascades. We wind down in bustling Buenos Aires – schedule some shopping and build up your appetite for a sumptuous barbecue lunch in an authentic Argentine estancia! Optional extensions are available to the stunning Galápagos Islands, the truly breathtaking Andes Lakes District or the dramatic, icy terrain of Patagonia. High Arctic Adventures 2006 New Icebreaker expeditions just announced... The Arctic comes alive for just a few short months each year. Summer arrives with a rush, bringing warmth and almost continuous daylight, along with a rich collection of wildlife. Polar bears, musk ox, walrus, ringed seals, bearded seals, belugas, narwhal, gray whales, bowhead whales, wildfowl, waders and seabirds are some of the animals that take advantage of the brief abundance of food in the otherworldly landscapes of the far north. The region is also home to small numbers of people who, against all the odds, have thrived and developed some of the hardiest societies on the planet. Russia's Far East & Wrangel Island • Northwest Passage, The Amundsen Route • Baffin Island Circumnavigation • Tanquary Fjord, Ellesmere Island & Greenland • The High Arctic: Canada & Greenland Click on the pdf icon to download issue 2 of the new World Adventurer magazine in pdf format (2MB) Namibia and South Africa Diamonds, sand dunes and curious blooms 23 August to 17 September 2006 26 days Our inaugural Namibia & South Africa tour has just returned and our passengers were enchanted by the beauty of Namibia’s stark, yet stunning desert landscapes and the plethora of springtime floral colour experienced in South Africa’s Namaqualand and Cape Province. So, we have at once started planning our August 2006 departure. Home to the oldest desert in the world, the Namib which contains the world’s highest sand dunes, Namibia is a land of contrasts from dunes and desert, coastal plains to the Kalahari Basin, wooded bushveld and mountain uplands. One of the greatest wonders is the spectacular Fish River Canyon which is the second largest canyon in the world. Travelling onwards to South Africa, our tour will not only take us to many of the better known highlights but also to rarely visited areas with a special emphasis on the springtime beauty of Namaqualand and the eastern Cape Atlantic Coast. On to Cape Town with its historic, nearby winelands and the stunning UNESCO-listed Cape Province Floral Region, before taking the scenic garden route to Port Elizabeth. An extension to Botswana, Victoria Falls or even exotic Zanzibar can also be arranged. Our tour is limited to 22 participants plus your tour leader. Accommodation is the best available including the exclusive Bushmanskloof Wilderness Reserve and Retreat. Indeed in some places the venues are a “special” feature in themselves and add greatly to the overall enjoyment of the experience! Voyage to the North Pole 2006 01 to16 July 2006 - 16 Days 14 to 29 July 2006 - 16 Days on board the nuclear icebreaker Yamal For centuries, explorers set out for the North Pole by sled, ship, aircraft and even balloon, but it wasn’t until 1948 that a human reached 90º north. Now Adventure Associates can take you there – aboard the icebreaker Yamal, one of the few ships powerful enough to push through the formidable Arctic ice pack. Join us on this once-in-a-lifetime journey and add your name to the handful of adventurers who’ve stood at the top of the world. SUBSCRIBE To subscribe to our eNews mailing list, please complete the following form. name: email address: For security purposes and to prevent unwanted spam, an automated response will be sent to your email address given, asking for confirmation of your subscription. All addresses are kept strictly private. We never give out addresses to any third parties. Bhutan, land of the Thunder Dragon 29 Mar to 13 Apr 2006 - 16 days 22 Sep to 7 Oct 2006- 16 days Nestled in the eastern Himalayas, only in the last decade or so has the Kingdom of Bhutan opened even slightly to the outside western world. Little by little, a limited number of tourists have trickled into a country where “gross national happiness” (a term coined by Bhutan’s King, Jigme Singye Wangchuck 30 years ago) is used to define prosperity. In 2003 Adventure Associates first offered an escorted tour to this land steeped in history, culture and deep Buddhist piety. Our tour in April 2005 sold out so we decided to include another one in October 2005. In the Bhutanese spring and autumn of 2006, we set off (via Bangkok) to Paro, Bhutan on two more departures to this unique country. The highlights not only include the splendid Bhutanese landscapes, magnificent Dzongs (Fortress Temples) and wonderful flora and fauna, but also the cultural aspects. A highlight is the opportunity to visit farmers in regional areas who will demonstrate traditional Bhutanese cooking. Madagascar, the rainbow island 18 Apr to 9 May 2006 - 22 days 26 Sep to 17 Oct 2006 - 22 days Madagascar’s long isolation from neighbouring continents has resulted in an unique mix of plants and animals, many found nowhere else in the world. Some ecologists refer to Madagascar as the “eighth continent” and the entire landmass could almost be considered a national park. Following our sold out September 2005 tour, our new tours for 2006 spend two weeks exploring some of the key nature reserves, marvelling at the curious lemurs, colourful chameleons, imposing baobab trees and many other endemic species. The fascinating Malagasy culture is once again a highlight. At the beginning and end of the tour, you will also be able to relax in our first class, beachside hotel on the beautiful island of Mauritius. There is also an optional seven day extension to the verdant, volcanic French island of Réunion. Leave the hustle and bustle of the 21st Century behind you and experience an adventure to a different world. Remotest Australia and Oceania 2006 New expedition cruises to the Kimberley, Across the Top End and East Coast of Australia, Tasmania, New Zealand, Papua New Guinea and Melanesia When the early European navigators of the 15th, 16th and 17th Centuries ventured to the ‘East Indies’ they found wild and untamed lands beyond their imagination. Some overflowed with riches like spice and minerals, while others were so inhospitable and desolate they went unexplored for hundreds more years. Today we celebrate the feats of courageous men such as Dampier, Hartog, de Torres and Tasman with voyages of rediscovery to those same remote and isolated landfalls with luxury vessels of space-age construction. The savage vistas that so intimidated these otherwise courageous men are now within our reach to fully explore and enjoy. Our modern mastery of navigation allows us to access the pristine, untouched beauty of the Kimberley, the wild islands of Melanesia and the breathtaking fjords of New Zealand in complete contrast to the harsh deprivation of our seafaring forefathers. Join us as we venture to ancient and mysterious lands, still completely untouched by modern man. Relive the thrill of discovery as we anchor in secluded coves previously only known to the local tribes. Examine prehistoric art, so old it can’t be carbon-dated. These are just some of the unforgettable experiences awaiting you when you join one of our new expedition cruises aboard our brand new, luxury expedition ship, Oceanic Princess or the much-lauded Coral Princess to any of these truly unusual destinations. Adventure Associates are proud to offer this greatly expanded suite of adventures that open up yet more of our exquisitely rugged continent and its equally untamed near-neighbours. ADVENTURE ASSOCIATES Pty Ltd 197 Oxford Street Mall, Bondi Junction, Sydney NSW 2022, Australia Postal Address: PO Box 612 Bondi Junction NSW 1355 Australia Ph: (+61 2) 9389 7466 Fax: (+61 2) 9369 1853 NSW Travel Agent's Licence No. 2TA000351 ABN: 12 001 118 332 Entire contents of this website © Adventure Associates - reproduction without permission strictly prohibited. Note: All dates and prices quoted may be subject to change and must be confirmed with Adventure Associates at the time of booking. 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