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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

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Escape Rental - worldwide vacation rentals. Home | Search Vacation Rentals | List Your Properties | Owner Login | Visitor Login | About Us | Contact Us | Links Canada (146) United States (1275) Mexico (116) Caribbean (153) Central America (28) South America (36) Europe (747) Africa (23) Asia (17) The Charming Villa Nuba apartments , Perugia Italy Spectacular Oceanfront Brand Spanking Ne , Cabo San Lucas Mexico Vacation rentals worldwide We offer thousands of vacation rentals by owner all around the world in the most exciting places - in mountain retreats, seaside resorts, exciting cities, romantic countryside and many more. Our list includes villas, apartments, cottages, ranches and hotels. All vacation rentals are located in the most popular destinations. Let us help with your holiday plans - we can help you find a comfortable "home away from home". Finding vacation property with Escape Rental is easy. Select a destination, find a vacation property you like and book it directly. All the properties have a large number of pictures, a detailed description, a list of amenities, rates and contact information. You can contact the property owner directly- either by email or phone. USA: Alabama · Arizona · California · Colorado · Connecticut · Delaware · Florida · Georgia · Hawaii · Idaho · Illinois · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Mississippi · Missouri · Montana · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · Tennessee · Texas · Utah · Vermont · Virginia · Washington · EUROPE: Belgium · Bulgaria · Croatia · Czech Republic · France · Germany · Greece · Holland · · Ireland · Italy · Malta · Norway · Poland · Portugal · Romania · Russia · Spain Sweden · Switzerland · Turkey · UK · MEXICO : Acapulco · Cabo San Lucas · Cancun · Cozumel · Playa Del Carmen · Puerto Vallarta · San Jose del Cabo · CARIBBEAN: Anegada · Antigua & Barbuda · Bahamas · Bermuda · Cayman Islands · Dominican Republic · Grenada · Jamaica · Puerto Rico · St. Croix · St. John · St. Lucia · St. Martin · Virgin Gorda · CENTRAL AMERICA : Belize · Costa Rica · Cuba · Honduras · Trinidad & Tobago · SOUTH PACIFIC: Australia · Fiji · TOP DESTINATIONS : Amsterdam · Bali · Barcelona · Berlin · Buenos Aires · Canary Island · Cannes · Cape Cod · Cape Town · Destin · Disney · Edinburgh · Florence · Ibiza · Kauai · Key West · Lake Tahoe · Las Vegas · London · Lisbon · Madrid · Mallorca · Maui · Miami · Miami Beach · Monterey · Myrtle Beach · New Orleans · Nice · Oahu · Orlando · Paris · Prague · Rio De Janeiro · Rome · San Diego · Savannah · Sydney · Tuscany · Venice · Francais Español Deutsch Home | Search Vacation Rentals | List Your Properties Owner Login | Visitor Login | About Us | Contact Us | Links 2002 Escape Rental ™ . All Rights Reserved. Property owners : Register today! Visitors: Register today! How do I search for properties? How do I register? How do I make a reservation? How do I list my properties? How do I update my listings? Tell A Friend Bookmark EscapeRental Escape Rental: info@escaperental.com

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Japan Travel Information - World Travel  You are here: About > Travel > Japan for Visitors Travel Go Japan Essentials Clickable Map of Japan Japan Pictures Japan Travel Tips Japanese Geisha Japan 101 - Fact about Japan Articles & Resources Japan Maps Picture of Japan / Web cams Best of Japan / Attractions Hotels/Accommodations Tokyo / Cities / Regions Japanese Translators Japanese Culture Etiquette / Living in Japan Japan Weather / Geography Japan History / Samurai Japanese Penpal / Chat Plan Your Trip to Japan Air Travel / Train Travel Restaurants / Japanese Food Japanese Gift / Japan Books Buyer's Guide Before You Buy Top Picks Japanese Gifts Product Reviews Forums Help FREE Newsletter Sign Up Now for the Japan for Visitors newsletter! See Online Courses   Search Japan for Visitors From Shizuko Mishima , Your Guide to Japan for Visitors . FREE Newsletter. Sign Up Now! Best Japan Photos in 2005 Which Japan photo gallery was viewed the most by visitors to About Japan for Visitor's site? Best Japan Photo Gallery of 2005 Wednesday December 28, 2005 | permalink Japanese New Year's Cards Sending New Year's cards to relatives, friends, teachers, classmates, and co-workers is an important custom in Japan. Send your favorite Japanese new year's cards online! Free Japanese ecards Monday December 26, 2005 | permalink Photo Gallery: Christmas Decorations in Japan Christmas in Tokyo Disneyland, Odaiba, Ebisu Garden Place, and more. Japanese Christmas Pictures Saturday December 24, 2005 | permalink Christmas in Tokyo There are many fun events and beautiful Christmas illuminations to visit in Tokyo. Here is a list of places to go. Tokyo Christmas Pictures of Christmas in Japan Shibuya Photo (c) Shizuko Mishima, licenced to About.com, Inc. Wednesday December 21, 2005 | permalink Japan Holiday Travel Tips Are you planning to visit Japan in December or January? I have some travel tips for you. Japanese Holidays Monday December 19, 2005 | permalink Japanese Railways Japanese railway systems are very advanced. Traveling by trains is very efficient. Plan a trip by trains in Japan. A list of railways in Japan Photo (c) 2005 Shizuko Mishima, licensed to About.com, Inc. Saturday December 17, 2005 | permalink Health Insurances in Japan "I plan on going to Japan in April to study for two years can anyone tell me what is a good insurance company. I hear health care in Japan is very expensive..." Suggestions? Friday December 16, 2005 | permalink Christmas in Japan December 25th is not a Japanese national holiday . How do Japanese people spend Christmas? Read more... Pictures of Christmas in Japan Pictures of Tokyo Ebisu Garden Place, Tokyo - Photo (c) Shizuko Mishima, licenced to About.com Inc. Wednesday December 14, 2005 | permalink Japanese Gift Ideas This is a list of Japanese things which might be good gifts for your loved ones. Japanese Gifts Monday December 12, 2005 | permalink Top 10 Christmas Lights to See in Japan Beautiful Christmas decorations are seen many places. This is a list of popular destinations for Christmas illuminations in Japan. Visit many places near your destinations! Japan Christmas Lights and Decorations Chirstmas in Japan Photo (c) Shizuko Mishima, licenced to About.com, Inc. Saturday December 10, 2005 | permalink Display Latest Headlines | | | Read Archives powered by Movable Type Advertisement Most Popular New Year Cards Japanese Geisha Christmas in Japan Japanese Tattoos Free Japanese postcards - Japanese new year cards - japan fr... What's Hot Japan Postcard - Japanese free email postcards - New Year's ... Japan Map - Nagano Prefecture Map - Map of Japan Universal Studios Japan Odaiba Photos Pictures of Japan - mount fuji picture - mt. fuji Photo Related Topics Japanese Cuisine Japanese Language Asia for Visitors Anime PlayStation Games        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About New Video iPod - Review POLL: Must-Have Gadgets VIDEO: Portable Gaming VIDEO: Choosing a TV Hugh Hefner's Life What's Hot Japan Postcard - Japanese free email postcards - New Year's ... Japan Map - Nagano Prefecture Map - Map of Japan Universal Studios Japan Odaiba Photos Pictures of Japan - mount fuji picture - mt. fuji Photo Headlines Best Japan Photos in 2005 Which Japan photo gallery was viewed the most by visitors... Japanese New Year's Cards Sending New Year's cards to relatives, friends, teachers, classmates, and... Photo Gallery: Christmas Decorations in Japan Christmas in Tokyo Disneyland, Odaiba, Ebisu Garden Place, and more.... Christmas in Tokyo There are many fun events and beautiful Christmas illuminations to...

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Europe Travel Blogs - European Travel Web Logs  You are here: About > Travel > Europe for Visitors > Europe Travel Planning > Travel Blogs Travel Go Europe Essentials European Vacation Planning Map Europe Travel 101 - Before you Go European Distances The Best of Europe European Photo Gallery Articles & Resources Europe Travel Planning What to do In Europe Lodging - Hotels and More European Travel Maps Sex and Nudism Travel Photography Transportation Benelux Countries France Germany Austria Switzerland Greece Italy and Malta Travel Info Scandinavian Travel Spain and Portugal United Kingdom and Ireland Buyer's Guide Before You Buy Top Picks Italy Travel Guidebooks Europe Travel Guidebooks German Travel Guidebooks Product Reviews Forums Help FREE Newsletter Sign Up Now for the Europe for Visitors newsletter! See Online Courses   Search Europe for Visitors Europe Travel Blogs - European Blogs Day by day descriptions of travel are possible through blog (web log) software that allows European travelers to write of their experiences almost as they happen from anywhere they are in Europe. Here are some of the best European travel blogs and travel blog lists. Articles & Resources Sort By : Guide Picks | Alphabetical | Recent Keeping a Journal While you Travel. Are Temporary Web Logs the Answer? Web Logs or "blogs" are a great way to let your family and friends keep in touch with you while you're on your European vacation. Some even offer storage for your pics and video. Combined with Internet Cafes along the way, you may never need to buy a stamp for a post card again. Blogarama Click on "Travel" to find some interesting travel blogs. Blog Search Engine - Travel Blogs Travel and adventure blogs are found on this page. Ciao Samin Making it in Italy without the subjunctive is the subtitle of this blog; it's from Tuscany. A Fistful of Euros Group blog on Europe and the European economy. 8 more Articles & Resources below More Categories Up a category Free Travel Blogs (3) Articles & Resources more from your guide Gridskipper Lively travel stuff from folks "Scouring the world for discount flights, chic hotelsand pretty people." London Blog Get the inside view from this London blog. Living in Europe - Blogzine Interesting news from all over europe from "a new community blogzine produced by a cooperative of bloggers and writers with a focus on ... Living in Europe." Mad About Madrid Alun John's interesting and fact-filled blog on Madrid. Get tips from an insider on the little places in a big city. Highly recommended for visitors planning a trip to Madrid. Nomadig Nomadig is billed as the safe harbour for the wanderers of the world. Travel from all over the world, including reviews, but especially good on Scandinavia. ro.blog - A diary of Idiotic Rants from Abroad Good stuff from far places. Vote to let ro know where he should go next. Veniceblog Interesting blog from a former resident of Venice, with excellent pictures. Zoomata - Italian Culture from Italy News and commentary from Italy, first person accounts from people who've moved there, travel tips and more. Excelent site in English.        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About New Video iPod - Review POLL: Must-Have Gadgets VIDEO: Portable Gaming VIDEO: Choosing a TV Hugh Hefner's Life What's Hot Power Adapters Noord-Holland - Delights of North Holland Travel Visiting Pompeii Italy Guidebooks Naples - Getting There Headlines Antwerp Pictures Antwerp is a fashion and diamond center for Belgium and... Like to Travel Well? Follow the CIA! I really should have paid attention when the CIA came... Tapas from Cans? Ok, so you wander into one of Barcelona's most celebrated... North Holland: Noah's Ark Redux A pious north Holland businessman took out a 300 000...