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Cheap flights from Qantas, Virgin Blue, Jetstar and Regional Express Your postcode: Advanced search HTML Plain text Order a Harvey World Travel gift card today Australia New Zealand South Africa United Kingdom Search and book cheap flights. Compare and save on Qantas, Virgin Blue, Jetstar, Rex, International airfares, hotels and cars. From: Choose a City Adelaide Brisbane Canberra Darwin Gold Coast Hobart Launceston Melbourne - Avalon Melbourne - Tullamarine Perth Sydney ------------------ Adelaide Airlie Beach Albany Albury Alice Springs Armidale Avalon Ayers Rock Ayr Au Bairnsdale Ballina Bamaga Bankstown Bathurst Isl Bathurst Biloela Blackwater Borroloola Bourke Brewarrina Brisbane Broken Hill Broome Bunbury Bundaberg Burnie Busselton Cairns Canberra Carnarvon Casino Ceduna Cessnock Charleville Clermont Cloncurry Cobar Coffs Harbour Colac Collinsville Coober Pedy Cooinda Cooktown Cooma Coonabarabrn Coonamble Cowra Cudal Dalby Darwin Daydream Island Deniliquin Derby Devonport Dongara Dubbo Dunk Island Echuca Emerald Esperance Exmouth Gulf Forster Fremantle Geelong Geraldton Gladstone Glen Innes Gold Coast Goondiwindi Gove Grafton Griffith Gunnedah Gympie Hamilton Island Hayman Island Hervey Bay Hobart Horn Island Inverell Jabiru Kalgoorlie Karratha Katherine Kempsey King Island Kings Canyon Kingscote Kununurra Launceston Laverton Learmonth Leeton Leinster Leonora Lightning Ridge Lismore Long Island Longreach Lord Howe Island Mackay Maitland Margaret River Station Margaret River Maroochydore Maryborough Meekathara Melbourne Merimbula Middlemount Mildura Monto Moorabbin Moree Moruya Mount Gambier Mount Hotham Mount Isa Mount Magnet Mount Newman Mudgee Narrabri Narrandera Newcastle Noosa Norfolk Island Norseman Nowra Nullarbor Nyngan Olympic Dam Orange Orpheus Island Paraburdoo Parkes Perth Port Augusta Port Douglas Port Hedland Port Lincoln Port Pirie Portland Proserpine Pt Macquarie Queenstown Quilpie Quirindi Renmark Rockhampton Roma Rottnest Sale Scone Shepparton Shute Hrb Singleton South Molle St George St Helens Stanthorpe Strahan Swan Hill Sydney Tamworth Taree Tennant Creek Thangool Thursday Island Tocumwal Tom Price Toowoomba Townsville Traralgon Useless Loop Wagga Wagga Walgett Wangaratta Warrnambool Warwick Wee Waa Weipa Welshpool Whyalla Windorah Wollongong Wyndham Yandicoogina Young To: Depart: Number of Passengers: 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 0 1 2 3 4 5 6 7 8 9 Adult Children (2-11) Infants (<2) Return: Trip Type: Return Oneway Advanced Search Multi-stop Trips CAIRNS From $185.00 Experience Queensland with the best holidays around. NOOSA From $405.00 Experience Queensland with the best holidays around. SUNSHINE COAST From $311.00 Experience Queensland with the best holidays around. TROPICAL NORTH QUEENSLAND From $1,050.00 Experience Queensland with the best holidays around. WHITSUNDAYS From $284.00 Experience Queensland with the best holidays around. WHITSUNDAYS From $688.00 Experience Queensland with the best holidays around. 14 day Gems of the Baltic FLy/Cruise From $6,099.00 Holland America Line Alaska - Small Ship Cruising Book early and save up to $840* per couple. Alaska and Canada From $6,942.00 Fly cruise on Norwegian Wind Imperial Waterways From $2,450.00 Sail between St. Petersburg and Moscow Sitemap | Credits | Disclaimer | Terms of Use | Bookings Terms & Conditions | Deposit & Payment Terms | Privacy | Security | Unsubscribe ©2005 - Harvey World Travel, all rights reserved

European vacation. One low

World Hotel, Airfare and Travel Savings Homepage | Bookmark | Comments THE EUROPE VACATION SOURCE TOP EUROPE VACATION SPONSORS (December 28th, 2005) #1 - Find Vacation Specials for Europe Fly round trip to Europe this winter for just $189. Sign up for the Sherman's Travel Top25 newsletter and receive the details for this hot offer and more today. www.shermanstravel.com #2 - Perillo's Storybook Three Capitals Tour Visit London, Paris and Rome in elegant Perillo Style on a European vacation. One low price covers all, including free domestic air coast to coast. Instant confirmation and customer service. www.perillotours.com #3 - Save on Vacation Airfare to Europe Save with deep discounts, waiver and wholesale consolidation fares through our contracts with all major airlines. Premium service at an affordable price. Call toll free to compare and save. www.wholesale-fares.com #4 - Free Airfare to Europe Purchase any European vacation tour and get free airfare to Europe. www.goaheadvacations.com WORLD TRAVEL Airfares Hotels Cruises Car Rental CIA World Factbook VACATIONS Mexico Europe Spain France Italy Canada Las Vegas Florida FREE Webmail Now! Signup | Login OTHER CATEGORIES EUROPE VACATION ITALY AMSTERDAM ITALY VACATION TRAVEL ITALY TRAVEL EUROPE FRANCE TRAVEL SPAIN EUROPEAN VACATION MARCO ISLAND REAL ESTATE PARIS VACATION TRAVEL FRANCE EUROPE RAILEUROPE WORLD.COM is a publication of World.com Media. Other leading publications include Asia.com for the Best Travel Deals in Asia , Lawyer.com for Legal Advice and Lawyer Services , Doctor.com for Medical and Medicine Information , Calendar.com for Calendar Software and Scheduling Solutions , Email.com for Business Email Software and Email Services and Paris.com for Paris Travel, Hotel and Restaurant Information. © 2005 NJ Domains Inc. Total, White, Grey 8,6,3.333332,2,2,0,0,0,0,0,0,0,0

Germany travel guide Click

Germany (attitude Travel) Advice, Photos and Resources for Independent Travel Home > Germany attitude Travel Questions on Highlights of Travel Advice Background on Getting to Getting around Where to stay in Where to go in Culture Shock! Journals from Photos of Books about Resources for Maps of Language of Websites about Austria Belgium Bosnia Bulgaria Croatia Czech Republic Denmark Estonia Finland France Georgia Germany Greece Hungary Italy Japan Latvia Lithuania Malaysia Montenegro Morocco Netherlands Norway Poland Russia Serbia Singapore Slovenia Spain Sweden Switzerland Thailand Turkey Uzbekistan Germany Home Considering Germany German Travel Photos Germany Bookshop Getting to Germany Consular Travel Advice UK US AUS CAN Travelling in Germany Northern Europe attitude Travel Germany is a resource for independent travellers in Germany and a space for travellers to share original writing & photos Article Index Your questions! Travel Centre Bookshop Berchtesgaden (more travel photos...) Berchtesgaden (more travel photos...) attitudetravel.com SiteSearch Germany Profile Country Profile UK Foreign Office Germany Briefing The Economist Germany Profile BBC News Study of Germany US Library of Congress Background Notes US State Dept Cheap Hotel Rooms in Berlin Germany has convincingly established itself as the social, economic and industrial powerhouse of the European continent - perhaps to the chagrin of its nearest rivals. More maps... Travelling across the German countryside on pristine, high speed intercity trains and around German cities on efficient urban S-Bahn and U-Bahn networks, it's easy to feel the spirit of efficiency which drives the country forward. Germany's commitment to the principle of progress has a bit of a track record. For five hundred years the German lands have been a crucible of technological innovation, theological revolution, modern philosophy and radical political movements. The modern German state, inaugurated in October 1990, is a social and economic bridge between the former Eastern bloc and the European Union, and has firmly set its sights on building for the future. Berlin, a remodelled capital city with an openly gay mayor, a reconstructed Reichstag , a new city centre at the Potsdamer Platz and a brand new international airport is described today - almost to the point of tedium - as being the biggest building site in Europe, if not the world. Germany's time is coming. Independent Guides Click this icon to read a review of the website Panorama Cities Panoramic Photos Link to us on your site: Open source Germany travel guide Click above for details Travel Insurance from InsureandGo Car Hire Germany from carhire.co.uk Find cheap plane tickets on Yahoo! Travel Free Ranking and URL submission at siteranking.com Dresden and Eastern Germany © Ben Koschalka, Nordhausen, March 2003 Listen to the backpacker at Berlin Zoo station or believe many a guide book and you'd be forgiven for thinking there's nothing else worth seeing in eastern Germany. Cross the wasteland of twenty percent unemployment, drug-cheat athletes and mass neo-Nazism, next stop funky sexy Prague . More books... Or: you could at least get off that Prague train a couple of hours earlier and give Dresden a try. If you're not at least pleasantly surprised, or more likely staggered by the returning beauty of the city that used to be known as the Florence of the Elbe , you'll be in the minority. Dresden's cultural treasures were famously and tragically all but destroyed by the February 1945 firebombing and again endangered just last summer by the flood of the century, but every time I go there it seems that there are more jewels to admire. The view of the restored Semper Opera House , palatial museum and gallery complex named the Zwinger , and the Brhl Terrace along the bank of the Elbe is stunning, especially illuminated in the evening. [ article continues... ] Ben Koschalka, lectures in English at the Fachhochshule Nordhausen in Thringen. Travel Articles on Germany Dresden and Eastern Germany Article by Ben Koschalka © 1997-2003 attitude Travel A r o u n i n m e d i a publication Professional Sites Click this icon to read a review of the website Austria | Belgium | Bosnia & Herzegovina | Bulgaria | Croatia | Czech Republic | Denmark | Estonia | Finland | France Georgia | Germany | Greece | Hungary | Italy | Japan | Latvia | Lithuania | Malaysia | Morocco | Netherlands | Norway | Poland Russia | Serbia & Montenegro | Singapore | Slovenia | Spain | Sweden | Switzerland | Thailand | Turkey | Uzbekistan home | free backgrounds | bookshop | travel centre | features | travellers' cafe

Switzerland Travel

Switzerland Travel Information | Lonely Planet Destination Guide worldguide | shop | thorn tree forum | travel services | travel ticker | theme guides | on the road | postcards | travel links : Explore Switzerland Switzerland Leave the lederhosen at home and get in line with the stylish Swiss. At a Glance Fast Facts WORLDGUIDE Introduction Background Info See Image Gallery Events Transport Money RELATED Thorn Tree Forum Postcards Travel Links More Places Check out our other destinations: Within Switzerland Geneva Interlaken Zurich View Map Click here Feature Attraction Great St Bernard Pass Hospice Museum Perhaps the Great St Bernard Pass should be renamed the Great Alsation Pass. It might save the local rescue dogs at the local hospice some embarrassment. ... more Switzerland may be neutral but it is certainly not flavourless. The fusion of German, French and Italian ingredients has formed a robust national culture, and the country's alpine landscapes have enough zing to reinvigorate the most jaded traveller. Goethe summed up Switzerland succinctly as a combination of 'the colossal and the well-ordered'. You can be sure that your trains and letters will be on time. The tidy, just-so precision of Swiss towns is tempered by the lofty splendour of the landscapes that surround them. Factoid You Fondue? Most of the world left fondue back in the 70s, but in Switzerland it's always in style. The classic fondue is bread dunked in Emmental and Gruyere cheeses mixed with white wine and flour - consumed, of course, on shag-pile carpet. SPONSORED LINKS Enquire Accomodation Reviews Find Lonely Planet author reviewed places to stay * Required Fields Country * Please select Argentina Australia Austria Belgium Brazil Canada China Cuba Czech Republic Denmark Egypt England Estonia Finland France Germany Hungary Iceland India Ireland Israel & the Palestinian Territories Italy Japan Malaysia Mexico Morocco Netherlands New Zealand Poland Portugal Russia Scotland South Africa South Korea Spain Sweden Taiwan Thailand Turkey USA United Arab Emirates Vietnam City * Please select Travel Services · Flights · Hostels · Hotels · Travel Insurance More Services › Disclaimer: We've tried to make theinformation on this web site as accurate as possible, but it isprovided 'as is' and we accept no responsibility for any loss, injuryor inconvenience sustained by anyone resulting from this information.You should verify critical information (like visas, health and safety,customs and transportation) with the relevant authorities before youtravel. text & images © lonely planet 2005 about us | privacy | feedback | advertising FAQs worldguide | shop | thorn tree forum | travel services | travel ticker | theme guides | on the road | postcards | travel links

Travel Insurance

QBE Insurance Group - Home Page If you can read this your browser does not support javascript or this feature is currently switched off. Please update your browser using one of the following links or enable javascripting via your browser settings. Click here to download Internet Explorer 6 Click here to download Mozilla QBE Insurance Group "QBE Insurance is Australia's leading International General Insurance and Reinsurance groups and one of the to 25 world wide." Core underwriting entities Standard & Poor's Rating = A+ Our Vision internationally recognised as a highly successful general insurance and reinsurance group; a builder of shareholders' wealth; a developer of "can do" people; and an organisation that excels in the continuous delivery of new and proven quality products and services. Our Values increasing the long-term wealth of shareholders; customer satisfaction and retention; employee satisfaction; and integrity. Divisions Group Annual Report Press Releases Shareholder Centre Financial Centre Webcasts Australia "QBE Insurance Australia, protecting people in all walks of life - from the home to the office and beyond" From our humble beginnings as the North Queensland Insurance company we have grown into a sophisticated provider of general insurance products. Our strength is our diversity. We provide over nine broad categories of general insurance. We provide comprehensive protection for peoples' homes, their lifestyles, their work environments. As a group, QBE works together to improve our customer service, our technology and our products. QBE Insurance - Aviation QBE Insurance - Commercial - QBE Mercantile Mutual QBE Insurance - Compulsory Third Party - CTP QBE Insurance - Corporate QBE Insurance - Personal - WQBE - Western QBE QBE Insurance - Professional Liability QBE Insurance - Surety QBE Insurance - Trade Credit QBE Insurance - Travel QBE Insurance - Workers Compensation Application for Credit Limit Endorsement QBE Insurance - Europe QBE Insurance - Asia Pacific QBE Asia Pacific: Our Vision Increasing Accountability Local Knowledge - Specialist Expertise Thriving on Complexity Our Vision - QBE Asia Pacific We aim to be recognised within the Asia Pacific markets as: a highly successful provider of specialist insurance solutions a team of results-oriented entrepreneurs with high levels of expertise and integrity a strong and ethical business partner an organisation that thrives on innovation and excels in the delivery of quality products and services a builder of customer value and shareholder wealth Increasing Accountability & Litigation For Asia Pacific companies to thrive in today's challenging business environment, they must be smarter, quicker and more entrepreneurial. They constantly face new business exposures and challenges arising from government regulation and common law. The margin for error has been squeezed in business today, and managers are confronted by the global trend of increasing accountability and litigation. They need specialist insurance solutions, backed by technical expertise. Equally as important, they need risk management experts with specialist knowledge who can translate the global into practical solutions at the local level - and then provide the on-the-ground resources when they are needed most. QBE Asia Pacific Operations has developed considerable strengths to best serve clients. Our history of commitment to the Asia Pacific markets means that we've developed a wealth of knowledge and experience. Local Knowledge - Specialist Expertise Five of our operations were established in the late 1880s, and four more were established in the early 1890s. Building on this strong foundation, we entered four additional markets in the 1970s and 80s, and five more in the 1990s. We now have over 18 QBE operations in various markets throughout the Asia Pacific region. Each market features different characteristics and dynamics, and local market knowledge can make all the difference for clients. For example, QBE operates in: Mature markets such as Singapore, New Zealand and Japan Emerging markets such as Indonesia and the Philippines Developing markets such as Thailand and Malaysia Small markets characterised by tightly knit communities, such as Vanuatu and Micronesia Markets that are rapidly moving toward more open economies, such as Vietnam and China Markets that have seen new opportunities emerge from the return to their motherland, such as Macau and Hong Kong Markets that operate under French customs and law, such as New Caledonia and French Polynesia Markets that have experienced political and social upheavals, such as Fiji, Papua New Guinea and the Solomon Islands In each of these markets, local knowledge is invaluable. And with the internationalisation of trade and business practice, businesses also need an underwriter with specialist insurance expertise, vast global experience and solid financial strength. Thriving on Complexity Ours is a complex business, and we thrive on that challenge. It is also a dynamic one, with growth driven by an acquisition strategy and a commitment to the professional development of our local teams. We are a grass roots company that is international in every sense of the word. The combination of local knowledge and specialist expertise provides important benefits to clients and intermediaries. In Asia Pacific, it's the QBE difference! QBE Insurance - QBE Asia Pacific - Specialist Risks Unit QBE Insurance - QBE Asia Pacific - Marine Risks Network QBE Insurance - QBE Asia Pacific - Hong Kong QBE Insurance - QBE Asia Pacific - Indonesia QBE Insurance - QBE Asia Pacific - Macau QBE Insurance - QBE Asia Pacific - Mainland China QBE Insurance - QBE Asia Pacific - Malaysia QBE Insurance - QBE Asia Pacific - Philippines QBE Insurance - QBE Asia Pacific - Singapore QBE Insurance - QBE Asia Pacific - Thailand QBE Insurance - QBE Asia Pacific - Vietnam QBE Insurance - QBE Asia Pacific - Fiji QBE Insurance - QBE Asia Pacific - French Polynesia QBE Insurance - QBE Asia Pacific - Japan QBE Insurance - QBE Asia Pacific - Micronesia QBE Insurance - QBE Asia Pacific - New Caledonia QBE Insurance - QBE Asia Pacific - New Zealand QBE Insurance - QBE Asia Pacific - Papua New Guinea QBE Insurance - QBE Asia Pacific - Solomon Islands QBE Insurance - QBE Asia Pacific - Vanuatu QBE Insurance - the Americas QBE Insurance Group Limited, is an insurance and reinsurance company publicly traded on the Australian Stock Exchange. Its history dates back over 116 years when the Company was founded in Australia. Since then the Company has grown to have operations in 47 countries with over $2 billion dollars of capital writing in excess of $3 billion dollars in premium. QBE the Americas operations commenced in 1986 when the QBE Insurance Group established a presence in the U.S. QBE the Americas now conducts business through its five companies, QBE Reinsurance Corporation, QBE Insurance Corporation, QBE Aseguradora de Riesgos del Trabajo S.A.,Argentina, QBE Del Istmo, Panama and QBE Brasil Seguros S.A. Lloyd's The Lloyd's division comprises QBE's share of the Lloyd's syndicates managed by Limit. The 2001 results are the first to contain a full year of activity from the acquisition of Limit in August 2000. Gross written premium for the Lloyd's division was $2,182 million, compared with $547 million last year. Net earned premium was up 273% to $1,365 million. Significant progress was made during 2001 towards achieving the objectives set out in last year's annual report. The rationalisation of the structure of the Lloyd's division continued with the merger of syndicates 79 and 2999, the closure of the under-performing syndicate 456 and the disposal of the property and aviation syndicate 318. This resulted in a significant reallocation of QBE's capital towards its best performing Lloyd's syndicates. Our exposure to poor performing US liability business was significantly reduced. QBE is now the sole capital provider to each of Limit's syndicates, other than syndicate 386 where our share has increased to over 40%. For the 2002 underwriting year, QBE provides 78% of Limit's aggregate capacity compared with 72% in 2001. The tragic events of 11 September overshadowed the year and the World Trade Center (WTC) loss had a significant impact on performance. In addition, upgrades were made to prior year outstanding claims provisions, principally to reflect adverse development on US liability business seen across the market. These upgrades have been substantially mitigated by reinsurance protections and provisions established on acquisition to allow for deterioration. Consequently, the result for the year largely reflects the performance of the 2001 underwriting year. The claims ratio was 72.9%, compared with 59.4% for last year. The combined operating ratio was 108.6%, compared with 101.1% last year. Excluding the WTC loss, the combined operating ratio would have been 101.0%. The movement in the commission ratio from 27.3% to 24.6% reflects the change in the mix of business during 2001. The decrease in the expense ratio from 14.4% to 11.1% reflects the synergies and savings delivered by the integration of QBE's former Lloyd's operations with Limit, partly offset by residual post acquisition integration costs during the year. 2001 was a transitional year in the market cycle with the rate increases anticipated at the start of the year not materialising until at least the middle of the year and, in some cases, not until after the impact of 11 September. We are now seeing substantial increases in premium rates across all classes of business underwritten within the Lloyd's division. These rate increases, together with a high level of business retention, new business opportunities and the reallocation of QBE's capital, should ensure profitability for the 2002 underwriting year. Our objectives for 2002 are to: take advantage of the dramatically improved rating environment and return all areas of underwriting to strong profitability; seek further rationalisation of the underwriting and operating structure in order to improve capital efficiency and our expense ratio; acquire further capacity on syndicate 386 as it becomes available; and be actively involved in the reforms proposed for the Lloyd's market. Our business at Lloyd's remains highly dependent upon the quality and commitment of our underwriters and their business franchise. I thank them for their efforts and achievements, which have ensured that QBE's Lloyd's division is now ideally positioned to take advantage of the hard market conditions now prevailing at Lloyd's. Steven Burns, Managing director, Lloyd's division Global Trade Credit "QBE Trade Credit, World-Wide credit solutions in an increasingly volatile business environment" QBE's Trade Credit underwrites $30bn of domestic and export trade credit from units in Australia, New Zealand, Asia and Europe having extensive experience in assessing risks in over 150 markets. We are a Standard and Poors A+ rated company. Supported by a product range of tailored solutions to your credit needs, QBE is uniquely placed to offer our clients the opportunity to conduct business in a secure environment. Established in 1962, we have in the last four decades risen to become the largest Australian Insurer offering both Domestic and Export trade credit insurance and have expanded offshore to service our clients locally around the world. QBE Re QBE Re is a leading global reinsurer providing treaty and facultative reinsurance, direct insurance, and other financial products to its varied clients. QBE Re conducts business through three Divisions: Australia, Europe, and the Americas. As a global reinsurer, QBE Re underwrites traditional and financial products covering all major lines and classes of business. Through its divisional network of companies, QBE Re excels in providing regional expertise and service tailored to local-market needs. For additional solutions from QBE Re, please visit our local teams: QBE Insurance - Australia QBE Insurance - Europe QBE Insurance - the Americas