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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

Argentina Travel Info: General

Argentina Travel Guide - Argentina Golfing Guide Home Sports Activities Argentina Golfing Guide Argentina Golfing Guide Argentina is a premier golf destination. The country is beautiful, the people are civilized, and there are dozens of great golf courses, in many scenic regions of Argentina. Argentina has more golf courses than any other South American country. Immigrants from Europe brought the sport to Argentina in the last part of the 19th century. Ever since, exclusive clubs and luxury resorts have built some of the most interesting and challenging golf courses in the world. When planning a trip to Argentina, the most important thing to remember is that the seasons are opposite of what they are in the Northern hemisphere. Summer in Argentina is between the months of December and March while winter is from June to October. Golfing Regions in Argentina: Most destinations in Argentina have golfing facilities. Buenos Aires , the capital of Argentina, and Bariloche , in majestic Patagonia, offer the most interesting golfing experiences for the visitor. Iguazu and Tierra del Fuego are also excellent locations to enjoy Argentina on and off the golf course. Travel Information for Argentina: Argentina General Information Argentina Weather and Temperatures Get the most from your Argentine vacation. Let the travel professionals at AR Tourism arrange the perfect vacation for you, while saving you money and eliminating the inconvenience of handling overseas arrangements. AR Tourism - Argentina Vacation Travel Agency Argentina Regions | Patagonia | Iguazu Falls | Perito Moreno, Calafate Buenos Aires Guide | Side-Trips | Recoleta | City Center Argentina Golfing Guide | Argentina Skiing Guide Sitemap © 2005 AR Tourism, LLC FOR MORE INFO: eMail: info@allaboutar.com Golfing Guide Buenos Aires Golf Bariloche Golf Iguazu Golf Carmelo Golf Tierra del Fuego Golf Golf Links Golf in Argentina Explore fabulous regions and golf in the most amazing surroundings. Combine golf and travel into an amazing vacation. More Introduction to Argentina Travel Info: General Information Transportation Travel Facts Safety Planning a Trip Argentina: Buenos Aires Regions in Argentina Sports Activities People & Culture Argentine Tango History of Argentina Other Stuff: About Us Links

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Vacation Rentals Online - Private Vacation Rental Condos, Cabins, Villas and Homes Vacation Rentals Online Vacation rental properties in the U.S. and around the world . Search through descriptions, amenities, and activities to find the perfect home away from home. We concentrate on homes & villas in Florida (especially the Disney area of Orlando and Kissimmee ), Hawaii , St. John , Vail , Park City , Winter Park , San Diego , New Orleans , St. Thomas , St. Croix , Bahamas , Barbados , Maui , France , Spain , Italy , Hilton Head , Myrtle Beach . Choose between wonderful Florida homes, Hilton Head beachfront condos, Myrtle Beach golf course homes, or Maui oceanfront condos. If you can't find the rental you are looking for - just let us know. Travel is comfort and style with an entire condo, villa, chalet, or private home for less than the price of a hotel room. Click on one of the links below to view rentals, sign-up for a listing, check the newest properties, or received additional information: List Your Property with Vacation Rentals Online View Rentals Throughout the World About Vacation Rentals Online Check Out the Newest Properties Disclaimer Guarantees United States Alabama Alaska Arizona California Colorado Delaware Florida Georgia Hawaii Idaho Indiana Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Missouri Montana Nevada New Hampshire New Jersey New Mexico New York North Carolina Ohio Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Vermont Virginia Washington West Virginia Wisconsin Wyoming British Columbia Nova Scotia Ontario Australia / Asia Australia Bali China Fiji Islands Japan Mauritius Micronesia New Zealand Papua New Guinea Polynesia Thailand South America Argentina Brazil Chile Colombia Ecuador Peru Uruguay Venezuela Caribbean Anguilla Antigua & Barbuda Aruba Bahamas Barbados Bonaire Cayman Islands Curacao Dominica Dominican Republic Grenada Jamaica Margarita Island Martinique Puerto Rico Roatan & Bay Islands San Andres St. Croix, USVI St. John, USVI St. Kitts & Nevis St. Lucia St. Maarten/St. Martin St. Thomas, USVI St. Vincent Trinidad & Tobago Tortola, BVI Water Island, USVI Mexico Acapulco Akumal Cabo San Lucas Cancun Cozumel Ensenada La Paz Lake Chapala Manzanillo Mazatlan Playacar Puerto Vallarta Rosarito Beach Europe Austria Belgium Canary Islands Cyprus Denmark Finland France Germany Great Britain Greece Iceland Ireland Italy Netherlands Norway Portugal Scotland Spain Sweden Switzerland Central America Belize Costa Rica Guatemala Honduras Nicaragua Panama Roatan Remember, sign up to receive an e-mail notice for our last minute, specially discounted vacation rental properties or e-mail notices of new properties in your favorite travel destinations. This page uses frames, but your browser doesn't support them. If your Browser uses frames and you are here by mistake, please go to: Vacation Rentals Online

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International Student Insurance - Health, Travel, Medical, Life Insurance for Study Abroad. International Student Insurance! Here you will find information on the best international health, medical and travel insurance programs tailored to fit the needs of the international student abroad at the most affordable rate. Please select the appropriate category below: >>Click here >> Click here or let our policy picker find the right plan for you - click here Student Plans Student Insurance for US Citizens & non-US Citizens dental | evacuation | international insurance | etc.. Agents / Affiliates If you would like to offer our international health | travel insurance products, please visit our agent center . College/ Universities Provide your students with top class insurance - please visit our schools center for more information. Group Plans If you are looking for an international group coverage plan, visit our group insurance center to learn more. Other Languages: En Espanol En Français Not a student but need international health insurance? Then visit InternationalCitizens.com Our Partners InternationalStudent.com English Language Schools Study Abroad Programs! ESL International Scholarship Search Student Travel and Flights Student Health Insurance Sim Cards/ Mobile Phones Additional Plans/Options F1 Student Insurance J1 Student Insurance OPT Student Insurance International Travel Insurance Trip Cancellation / Interruption Evacuation & Repatriation Study Abroad Insurance Dental Coverage Au-Pair Insurance Missionary Insurance Plans Current Clients Customer Homepage Claims Information Update Policy Details Online ID Cards Contact Us Head Office (USA) Toll Free (877) 328-1565 Direct (617) 328-1565 Fax (617) 328-0615 Email Us International Student Insurance.com Study in the UK International Student Loans International Calling Card International Health Insurance Travel Insurance Health Insurance International Student Insurance Services Owned and operated by: www.Edvisors.com a member of the Edvisors Network family