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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

Asia Travel

Asia Travel Information: Things Asian: Asia Travel Magazine: Travel to Asia, Thailand, Malaysia, China, Vietnam, Japan, Indonesia, Singapore Experience Asia Through the Eyes of a Traveler Search Site: Advanced Search Photo of the Day | Stories | Photo Essays | Contributors | Travel | Gallery | Store Member: None ( Login ) Vietnam Thailand China Malaysia Japan India Indonesia More Destinations... Contributors Ira G. Barrows Jason Gibbs Planning a Trip to Asia? ThingsAsian Travel provides valuable resources for intelligent, independent travelers. December 28, 2005 Red Banner, Tokyo, Japan Photo by: Robert George This red banner hangs in an antique store in Gunma Prefecture outside Tokyo.The large white kanji symbols in the center denote a location near auniversity, the identity of which is obscured from view. And the handwrittenscript on either side represents two male names: Ichiro and Osamu. Who knowswho they were or what has become of them. SEND PHOTO TO A FRIEND. IT'S FREE! Bangkok Dazed Chopstick Cinema ThingsAnime Walking Hanoi's Old Quarter Photography by Lisa Spivey / Albert Wen Dawn of Happiness: Sukhothai By Kenneth Champeon ThingsAsian Store ThingsAsian Gallery To Asia With Love Edited & with contributions by Kim Fay Photographs by Julie Fay US $18.00 A concentrated collection of recent travel experiences in Cambodia, Laos, Thailand and Vietnam. Fifty seasoned travelers offer personal stories and insider advice on food, sightseeing and the love of being in Southeast Asia. LEARN MORE Artist Profile: Hoang An | Photo of the Day | Stories | Photo Essays | Contributors | Travel | Gallery | Store About Us Advertise in ThingsAsian -- | Press Information | Investor Relations | Our Privacy Policy | Partners | ThingsAsian Press ©1994-2005 Global Directions, Inc. All Rights Reserved. Web Development & Design by Dayspring Technologies, Inc.

Cheap Travel Insurance |

Travel Insurance for Australians - 1Cover Travel Insurance Cheap Australian Travel Insurance Call 1300 368 344 for discount holiday insurance or annual travel insurance at 1Cover Single trip australian travel insurance from 5 to 365 days. 1cover saves you money - but don't be fooled by policies offering lower levels of cover. Our policy includes FREE medical cover for ski and scuba. Available for travellers up to 75 years old automatically, with 76 and above available with online approval. If you are planning several holidays this year then our annual travel insurance policy will save you time and money. Unlimited trips abroad over the year and travel up to a maximum of 90 days per individual trip. Planning on travelling and looking for adventure? For many people, especially students, backpacking is the only way to travel. We provide backpacker insurance that covers you from 28 days to 12 months. Our budget medical only travel insurance covers you in case of emergency, and our long stay gives you some of the benefits of our comprehensive policy without all of the cost. Are you in Australia? If not, please click the relevant flag below to go to your local 1cover website: UK NZ Policies underwritten by Allianz Australia Insurance Limited Single Trip Quote | Annual quote | Backpackerquote | Retrieve a previous quote | Coversummary | Policy details | TravelAdvice | Affiliate programme Adventure | Annual | Australian Travel Insurance | Budget Travel Insurance | Business Travel | Cheap Flights | Cheap Holiday | Compare | Direct | International | Overseas | Travel Insurance | Cheap Travel Insurance | Holiday Insurance | Family Travel | Long Stay | Medical | Online Quote | International Student | Snowboard | Brokers | Ski Travel | Backpacker Insurance | Travel Health | Travel Insurance Online | Travel Insurance Australia | Travel Insurance UK | Travel Insurance NZ | Sitemap | Resources The insurance is managed by ETI Australia Pty Ltd, a company of the Mondial Assistance Group AFS Licence No 245631 ABN 52 097 227 177 This insurance is underwritten by Allianz Australia Insurance Limited AFS Licence No 234708 ABN 15 000 122 850 (Allianz)

Hotel Travel

Gtahotels.com - Discount Hotels, Cheap, Budget and Luxury Hotel Reservations Discount hotels. Find it here and book it at the lowest rate. Guaranteed. HOME FIND HOTELS SPECIAL OFFERS MY BOOKINGS CUSTOMER CARE REBATE HELP Group Booking News Alerts If you're a member, click to log in . If you're not, click to become a member . Reservations Hotline Book online or call us at US Toll Free Phone: 1-877-285-5835 Working Hours : Toll Free Mon-Fri 09.00 - 17.00 EST Europe Toll Free: 00-800-468-35-482 Working Hours : Toll Free Mon-Fri 24 hours Sat-Sun 07.30 - 15.00 GMT Worldwide: 44-207-019-6324 Working Hours : Mon-Fri 24 hours Sat-Sun 07.30 - 15.00 GMT more Call Back Request You may fill out the Call Back Request Form and one of our hotel experts will call you back. Price, price, price. The right hotel for you. The best terms. · Instant confirmation. · Cancel without penalty. · Lowest price guarantee. The best information. The best customer support. Find Hotels Country: City: Select Country Andorra Austria Bahamas Belgium Bulgaria Canada Croatia Cyprus Czech Republic Denmark Egypt Estonia Finland France Germany Gibraltar Greece Hungary Iceland Ireland Italy Jordan Latvia Liechtenstein Lithuania Luxembourg Malta Monaco Morocco Netherlands Norway Oman Poland Portugal Romania Russia San Marino Serbia Montenegro Slovakia Slovenia Spain Sweden Switzerland Thailand Tunisia Turkey Ukraine United Arab Emirates United Kingdom United States Select City Check-in Date: Nights: Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2005 2006 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Rooms: Room Type: 1 2 3 Single Room (sleeps 1) Single plus Child (ages 2-12) Twin Room (sleeps 2) Twin plus Child (ages 2-12) Double Room (sleeps 2) Double plus Child (ages 2-12) Triple Room (sleeps 3) Single Room (sleeps 1) Single plus Child (ages 2-12) Twin Room (sleeps 2) Twin plus Child (ages 2-12) Double Room (sleeps 2) Double plus Child (ages 2-12) Triple Room (sleeps 3) Single Room (sleeps 1) Single plus Child (ages 2-12) Twin Room (sleeps 2) Twin plus Child (ages 2-12) Double Room (sleeps 2) Double plus Child (ages 2-12) Triple Room (sleeps 3) Currency: Euro US Dollar UK Pound Japanese Yen Danish Krone Swedish Krona Swiss Franc CA Dollar AU Dollar Chinese Y.R. or select a destination Amsterdam Bruges Dubai Istanbul Milan Nice Rome Athens Barcelona Brussels Dublin London Paris Venice Berlin Budapest Copenhagen Florence Madrid Prague Vienna Click here for more... Our Picks London Flemings Mayfair Hotel Built in 1730, Flemings Mayfair Hotel is a Georgian townhouse. Established in 1851, the fine architectural detail and original paintings combined with stylish and comfortable furniture t... Venice Spagna Hotel A cosy and well-maintained 3-star hotel, the Spagna is well located in the popular Cannareggio district of Venice, and is just a few steps from the Grand Canal - visitors will soon reali... Prague Barcelo Praha Hotel Enjoy the Spanish touch in Prague at the Barcelo Praha Hotel. As a four star hotel, Barcelo was built in 1994 and provides a total of 213 rooms which include 198 standard rooms. Barc... Discount Hotel Deals Rome Airport Palace Hotel from € 100 thr Dec Amsterdam Hotel Nieuw Slotania from € 106 thr Dec Barcelona Tryp Barcelona Aeropuerto Hotel from € 101 thr Dec Europe for Less! Austria starting from € 59 Czech Rep starting from € 41 UK starting from € 57 Italy starting from € 44 Contact Us | Company Info | Affiliates | Travel Agencies | Privacy Policy | Testimonials | Travel Resources Professional Member of IATA & ASTA Consortium. Located at 330 West 38th Street Suite: 909 New York, NY 10018 United States 2000-2005 All Rights Reserved Methods of payment accepted: Visa, MasterCard, Diners Club and US personal check All Countries Austria Hotels Canada Hotels Denmark Hotels France Hotels Greece Hotels Italy Hotels Netherlands Hotels Portugal Hotels Spain Hotels Turkey Hotels United Kingdom Hotels

Austria Travel Guides ,

Austria Sight-Seeing, Tours & Travel AUSTRIA Places to Stay in Austria Austria Tours & Travel Attractions, Culture, and more... AUSTRIA HOME AUSTRIA TOURS AUSTRIA TOURS AND TRAVEL Contrary to popular perpections Austria is not all about mountains. In fact, the Alps only occupy about half of the country. A diverse mix of landscapes is packed into a relatively small area. Glaciers, meadows, alpine valleys, wooded foothills, gently rolling farmland, vineyards, river gorges, plains and even semi-arid steppes can be found in Austria. AUSTRIA TOURS AND TRAVEL: GRAZ TOURS & TRAVEL , SALZBURG TOURS & TRAVEL : Salzburg Sight-Seeing Tours , Salzburg Dinner Tours & Marionette Plays , Salzburg Transfers , VIENNA TOURS & TRAVEL : Vienna Sight-Seeing Tours , Day Tours from Vienna , Vienna at Night Tours , Vienna Cycling & Hiking , Vienna Transfer s , SALZBURG TOURS, Travel to Austria Salzburg Tours & Travel In picturesque Salzburg, visit wonderful sights including Mirabell Palace, Mozarteum School of Music, Marionette Theatre, County Theatre, House where Mozart lived, Trinity Church, County Legal Courts, Nonnberg Abbey, Hellbrunn Palace, Villa of Frohnburg, Neutor tunnel, and Festival Hall ... SALZBURG TOURS & TRAVEL: Salzburg Sight-Seeing Tours , Salzburg Dinner & Plays , Salzburg Transfers , VIENNA TOURS, Travel to Austria Vienna Tours & Travel See the Ringstrasse known for such magnificent buildings as the Museum of Applied Arts, the State Opera House, the Museum of Fine Arts and the Museum of Natural History. Also see the Hofburg, the famous residence of Empress Elizabeth, affectionately known as 'Sisi' to the Austrians ... VIENNA TOURS & TRAVEL: Vienna Sight-Seeing Tours , Day Tours from Vienna , Vienna at Night Tours , Vienna Cycling & Hiking , Vienna Transfers , GRAZ TOURS, Travel to Austria Where the White Horses Run 5 hours - Take a journey through the West Styria region and on to the home of the famous white horses of the Spanish Riding School. Marvel at the beauty of the gleam in a glass of Schilcher wine, the glow of onion skins, the glint of pumpkin seed oil, and the play of light on the hills of the Lipizzaner Stud! ... Riegersburg Castle - A Trip to Styrian Volcano Land 5 hours - A well visible landmark, the mighty Riegersburg castle was built over 850 years ago on a volcanic hill, overlooking the lush vineyards of Southeast Styria. Thanks to a hillside lift, you can reach the top within 90 seconds. Join a trip to the legendary Riegersburg castle and enjoy a sample of the local culinary treats on offer! ... Wine Country - A Taste of the South 5 hours - Travel back to where the simple things in life are the most comforting - a place where excellent wines are referred to as 'a good drop', or where the modestly named Brettljause is literally a snack on a little board, filled with a formidable array of home grown and cured meats. Where else but Graz? ... Highlights - A Guided Walk through the Old Town 2 hours - Graz oozes a romanticism that is completely unique, with its narrow lanes and picturesque courtyards. Enjoy a guided city walk along cobble stone streets, travelling through Gothic, Renaissance and Baroque architecture, and marvel at one of Europe's best preserved cities! ... HOTELS AND ACCOMMODATION IN AUSTRIA AUSTRIA HOME AUSTRIA TOURS SEE ALSO FOR AUSTRIA: PLACES TO STAY: ALL HOTELS , Graz Hotels , Innsbruck Hotels , Salzburg Hotels , Seefeld Hotels , Vienna Hotels , TOURS & TRAVEL: ALL TOURS , Graz Tours , Salzburg Tours , Vienna Tours , ATTRACTIONS, CULTURE & MORE: VIENNA : Belvedere Palace , Heeresgeschichtliches Museum , Schonbrunn Palace , SHOP : Austria Posters and Prints , Austria Travel Guides , Images of Austria BRIEF HISTORY OF AUSTRIA: Once the center of power for the large Austro-Hungarian Empire, Austria was reduced to a small republic after its defeat in World War I. Following annexation by Nazi Germany in 1938 and subsequent occupation by the victorious Allies in 1945, Austria's status remained unclear for a decade. A State Treaty signed in 1955 ended the occupation, recognized Austria's independence, and forbade unification with Germany. A constitutional law of that same year declared the country's "perpetual neutrality" as a condition for Soviet military withdrawal. This neutrality, once ingrained as part of the Austrian cultural identity, has been called into question since the Soviet collapse of 1991 and Austria's entry into the European Union in 1995. A prosperous country, Austria entered the European Monetary Union in 1999. Top of Page | Places to Stay in Austria | Things to Do in Austria | Links | Site Map | Contact Us AUSTRIA Places to Stay in Austria Austria Tours & Travel Attractions, Culture, and more... Austria Travel Guides Austria Posters & Prints See Also: Czech Republic Germany Switzerland