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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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Family Travel Guides : Family Vacation Destinations Navigate our Site ------------------ Home Read Articles Search for Lodging Deals and Specials Travel Food Tips Heath and Safety The Great Outdoors Regional Travel Comments/Suggestions Newsletter Regions Lodging Newsletter Great Outdoors Food Travel Tips -- new map created 12/2005 by Rafe Magnuson:-- These travel articles contain the guidance you need for a happy and fun-filled family vacation at many US, Canada and Caribbean destinations! New England States That smallish, wild area in the northeast corner of the United States that is rugged yet refined Eastern Seaboard States A wide variety of vacation opportunities: the fast pace of the Big Apple; the historic significance of the Colonial States (and Ellis Island); and the awesome beauty of the mountains and the Atlantic Coast. Southeast States Alabama, Florida, Georgia, Louisiana, Mississippi and South Carolina The Southeast is large, varied, fairly warm and often sunny and humid Bluegrass Country Many defining periods in U.S. history are reflected in Bluegrass and Appalachian country--this was Cherokee country and the beginning of the Trail of Tears; the Appalachian and Smoky Mountains evoke the early settlers and pioneer days; Kentucky and Tennessee were major players in the Civil War Midwest States Your family will have a fun-filled vacation complete with sports, theme parks, history and natural beauty. Great Lakes While various states touch on the Great Lakes, Michigan, Minnesota and Wisconsin are dominated by the Lakes and offer an unending selection of wilderness adventures Mountain States Perched atop the Continental Divide and sloping down east and west toward the Atlantic and the Pacific Oceans, the mountain states are dominated by the Rocky Mountains. Southwest States The American Southwest lures many looking for sunshine or moonlight, quiet or excitement, history or the future, new beginnings or retirement. Pacific States California, Oregon, Washington are such large states that they offer a number of types destinations for your family to choose from. Hawaii We've watched Hawaii from afar in movies, on TV, on travel posters and every vacation book in print. It seems everyone goes to Hawaii as often as possible. And why not? It's paradise! Alaska The 49th state to enter the United States of America (in 1959), Alaska has always been full of surprises, treasures and magnificence. Canada Prince Edward Island.. The entire region is often dubbed "Anne's Land." Caribbean Sun fun and beaches! What more do you need to make a good family vacation great? Come inside to find out. Amazing Getaways of the Pacific Northwest Guide to some of the best attractions the Northwest has to offer. The Compass Webzine for New England Adventurer featuring Vermont & Massachusettes outdoor activities. Reintroduction of the Wolf into the Southwest Learn about wolves and hear their howls at this site which explores the pro's and con's of bringing back the native southwest wolves. -- family lodging | road food | family adventure vacations travel deals and vacation packages | USA destinations travel safety and tips | links Travel Guides | Elegant Small Hotels | Bed and Breakfast Inns

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AIR TICKETS USA DISCOUNT AIRFARES flights cheap tickets discount travelhot travel deals [ espaol ] FLIGHTS HOTELS CARS VACATION CRUISES INSURANCE RAIL MY TRIP Roundtrip: Oneway: Leaving from: To: (city or airport) (city or airport) Departure date: Time: 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 MidNight 01:00 AM 02:00 AM 03:00 AM 04:00 AM 05:00 AM 06:00 AM 07:00 AM 08:00 AM 09:00 AM 10:00 AM 11:00 AM Noon 01:00 PM 02:00 PM 03:00 PM 04:00 PM 05:00 PM 06:00 PM 07:00 PM 08:00 PM 09:00 PM 10:00 PM 11:00 PM Returning from: To: (city or airport) (city or airport) Departure date: Time: 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 MidNight 01:00 AM 02:00 AM 03:00 AM 04:00 AM 05:00 AM 06:00 AM 07:00 AM 08:00 AM 09:00 AM 10:00 AM 11:00 AM Noon 01:00 PM 02:00 PM 03:00 PM 04:00 PM 05:00 PM 06:00 PM 07:00 PM 08:00 PM 09:00 PM 10:00 PM 11:00 PM Number of travelers: ADULT [ OVER11 ] CHILD [ AGE 2-11 ] INFANT [ UNDER 2 ] 0 1 2 3 4 5 6 7 8 9 10 0 1 2 3 4 5 6 7 8 9 10 0 1 2 3 4 5 6 7 8 9 10 All airlines AB Airlines (Air Bristol) ABX Air Inc Access Air ACES Colombia Adria Airways Aegean Airlines Aer Lingus Aero Asia Aero Continente Aero Costa Rica Aero Lloyd Aero Mexico Aerocaribe AeroCondor Aeroflot Aerolineas Argentinas Aeromar AERONICA Aeroperlas AeroPeru Aerosur Aerosweet Airlines Air Air Afrique Air Aruba Air Asia Air Atlantic-A Air Austral value='BT'Air Baltic Air Berlin Air Caledonie Air Canada Air Caribbean Air China Air Engiadina Air Europa Air Fiji Air France Air Georgia Air Greece Air India Air Jet Air Labrador Air Lanka Air Lithuania Air Macau Air Madagascar Air Malawi Air Malta Air Mandalay Air Mauritius Air Namibia Air Nauru Air New Zealand Air Niugini Air Nova Air One Air Pacific Air Philippines Air Rarotonga Air Seychelles Air South Air Tahiti Air Tanzania Air Tran Air Vanuatu Air Zimbabwe Alaska Airlines Alitalia ALM Anitillean Airlines Aloha Airlines America West Airlines American Airlines American Trans Air ANA Ansett Australia AOM French Airlines Arkia Israeli Airlines Asiana Aus-Air Austral Austrian Airlines Avianca Aviateca Avioimpex Bahamasair BALKAN Bulgaria Bangkok Airways Bearskin Airlines Big Sky Airlines Biman Bangladesh Airlines Bouraq Braathens British Airways British Midlands BWIA International Calm Air Canada Three Thousand Canadian Airlines Carnival Airlines Cathay Pacific Cayman Airways CC Air Inc China Airlines China Eastern Airlines China Southern Airlines Citybird Colgan Air COMAIR Condor Conquest Airlines Continental Copa Air Croatia Airlines Crossair CSA Czech Airlines Cubana Cyprus Airways Cyprus Turkish Airlines Debonair Delta Deutsche Deutsche BA Dragon Air Druk Air Egypt Air ELAL Israeli Airlines Emirates Eurowings EVA Airways Finnair First Air Flying Enterprise Frontier Airlines Garuda Indonesia Ghana Airways Greenlandair Gujarat Airways Gulf Air Guyana Airways Hainan Airlines Hawaiian Airlines Hazelton Airlines Iberia Iceland Air Indian Airlines Iran Air Japan Air System Japan Airlines Japan Asia Airways JAT Yugoslav Airlines Jersey European Airways Jet Airways Kendell Airlines Kenya Airways KLM Korean Airlines Korsar Kuwait Airways LACSA Laker Airways LAN Chile Lapa Airlines Lauda Air LIAT Linhas Aereas Lithuanian Airlines Lloyd Aero Boliviano LOT Polish Airlines LTU International Lufthansa Luxair Maersk Air Malaysia Airlines MALEV Hungary Malmo Aviation Mandarin Airlines Manx Airlines Martinair Holland Maya Airways MEA Merpati Mesa Airlines Mesaba Airlines Mexicana Miami Air MIAT Mongolian Airlines Midwest Express Mount Cook Airlines National Airlines Nepal Airways Nordeste Northwest Olympic Airways Oman Airlines Orient-Avia Airlines Pantanal Linhas Aereas Passaredo Transportes Aereos Pelangi Air Peninsula Airways Philippine Airlines PIA Pakistan Int. 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Live from Chicago France London Montral Moscow San Diego Toronto KENYA - Most visitors to Kenya want to experience the country's world famous wildlife. But there are many different ways to experience the Kenyan wilderness. Whether you want to drive by a pride of lions in a four wheel drive, walk through herds of plains game, watch a herd of elephants from the comfortable veranda of a safari lodge, track game on horseback or search for rare birds in a thick rainforest, the possibilities are endless. Kenya's wilderness areas are famous world wide. The name Kenya has become synonymous with the great wilds of Africa B l o g | Join our mailing list | Travel info | Weather | This website is certified secure Our Company | Jobs | Contact us | Comments | Tech Support | Privacy Policy | Terms & Conditions 2000-2006 AirTicketsDirect (TM) All rights reserved Macromedia Flash is required to view portions of this site correctly. Download it here . 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