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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

Argentina travel guide - Travel reviews on Argentina, Argentina Argentina travel guide - Travel advice by real travelers on Argentina, Argentina! Home Guides Reports Tips Hostels Pictures People Forum Chat more Travel search: You are here: Guides South America Argentina Argentina -- Travel guide to Argentina uffff You can change this text and add an introduction on Argentina. Help us to build a reliable and interesting travel resource on Argentina. Thousands of people around the world are already publishing on our travel community. It's as easy as pie! [edit text] Argentina's travel tips, pictures, advice Hostels (20) Reports (0) Travel tips (0) Pictures (2) Members (2) Travel reports on Argentina Currently there is no report available on Argentina. Be the first one to publish a report on Argentina right here! It's easy! Get your own travel page now! Travel tips on Argentina Currently there are no insider tips available on Argentina. Be the first one to publish a tip on Argentina right here! It's easy! Get your own travel page now! About Argentina Reports (19) Travel tips (7) Pictures (157) Members (147) introduction info map flag More on Argentina You can add a link to your Argentina website here. Terms and Conditions Privacy Policy Sitemap About us Jobs Press Advertise Contact Impressum © 2002 - 2005 GLOBOsapiens GmbH Germany Travel Portal Version: 3.1.8 Germany , International -- Hotel Guide Login join us today! Online: 4 danilbruce ksgachnang trondpg willauer forum | chat Top 3 members Last week All time ranguta. 294 isaacmo. 236 eirekay 169 britman 16572 spaceou. 15395 davidx 15201 Member snaps Other resources Travel Insurance Chiang Mai Hotels Heat Exchanger Rome Hotels Flight & Hotel Deals Youth Hostels Cheap Flights Car Hire Spain Holiday in Cornwall findix Kleinanzeigen List your site here!

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Russia Travel Guide @

russia travel vacation Russia Tourism Home World Tourism AfghanistanTourism - Albania Tourism - AlgeriaTourism - Andorra Tourism - AngolaTourism - Antigua and Barbuda Tourism - ArgentinaTourism - Armenia Tourism - AustraliaTourism - Austria Tourism - AzerbaijanTourism - Bahamas Tourism - BahrainTourism - Bangladesh Tourism - BarbadosTourism - Belarus Tourism - BelgiumTourism - Belize Tourism - BhutanTourism - Bolivia Tourism - Bosniaand Herzegovina Tourism - BotswanaTourism - Brazil Tourism - BritishVirgin Islands Tourism - BulgariaTourism - Cambodia Tourism - Canada Tourism - CaymanIslands Tourism - Chad Tourism - ChileTourism - China Tourism - ColombiaTourism - Comoros Tourism - CroatiaTourism - Cuba Tourism - CyprusTourism - Czech Republic Tourism - DominicaTourism - Dominican Republic Tourism - DenmarkTourism - Ecuador Tourism - EgyptTourism - El Salvador Tourism - EstoniaTourism - Ethiopia Tourism - FijiTourism - Finland Tourism - FranceTourism - Georgia Tourism - GermanyTourism - Ghana Tourism - GreeceTourism - Grenada Tourism - GuyanaTourism - Haiti Tourism - HondurasTourism - Hungary Tourism - IcelandTourism - India Tourism - IndonesiaTourism - Iraq Tourism - IranTourism - Ireland Tourism - IsraelTourism - Italy Tourism - IvoryCoast Tourism - JamaicaTourism - Japan Tourism - Jordan Tourism - KazakstanTourism - Kuwait Tourism - KyrgyzstanTourism - Laos Tourism - LatviaTourism - Lebanon Tourism - LibyaTourism - Lithuania Tourism - LuxembourgTourism - Madagascar Tourism - MaldivesTourism - Mauritania Tourism - MauritiusTourism - Mexico Tourism - MoldovaTourism - Mongolia Tourism - NepalTourism - Netherlands Tourism - NewZealand Tourism - Nicaragua Tourism - NigeriaTourism - North Korea Tourism - NorwayTourism - Oman Tourism - PakistanTourism - Panama Tourism - PapuaNew Guinea Tourism - Paraguay Tourism - PeruTourism - Philippines Tourism - PolandTourism - Portugal Tourism - QatarTourism - Romania Tourism - RussiaTourism - Saudi Arabia Tourism - SerbiaTourism - Seychelles Tourism - SingaporeTourism - Slovakia Tourism - SloveniaTourism - Somalia Tourism - SouthAfrica Tourism - South KoreaTourism - Spain Tourism - Sri Lanka Tourism - St.Kitts and Nevis Tourism - St. LuciaTourism - Sudan Tourism - Sweden Tourism - SwitzerlandTourism - Syria Tourism - TajikistanTourism - Thailand Tourism - Trinidadand Tobago Tourism - Turkey Tourism - TurkmenistanTourism - Turks and Caicos IslandsTourism - Uganda Tourism - United Arab Emirates Tourism - UnitedKingdom Tourism - United StatesTourism - Uruguay Tourism - Uzbekistan Tourism - VenezuelaTourism - Vietnam Tourism Due to the nature of the topic and the wide range of information available, in order to cover only a tiny bit of it properly, some of the websites included here may have a commercial element in addition to the excellent information they provide. Such inclusion does not constitute an endorsement of product or service by archaeolink.com. Sites are included for information value only. The number of sites available online for this topic is enormous. This site can not and does not index all travel resources for a country. These "tourism" pages are basically designed as a supplement to the Russia Social Studies links rather than for the avid business or pleasure traveler. For those of you for whom this "supplementary" material is not enough, the following does provide some idea of what is available online and will hopefully be a good starting point for a more serious search. IgoUgo: Russia Tourism, Things To Do In Russia __ You will find a series of journals written by real travelers giving their impressions and recommendations. - illustrated - From igougo.com - http://www.igougo.com/planning/journalRegion.asp?LocationID=269 Russia __ "Russia's political icons and ideologies may have tumbled but Churchill's 'riddle wrapped in a mystery inside an enigma' remains an apt descriptive chestnut. Outsiders still have only a hazy grasp of daily life in Russia, and the unfolding effects of a deregulated market economy are surrounded by rumours of rampant crime and prostitution, relentless drug-trafficking, mile-long queues for nonexistent food and a general end-of-the-world aura." History, culture, statistics and more. - illustrated - From Lonely Planet - http://www.lonelyplanet.com/destinations/europe/russia/ Russia __ You will find important travel information for planning a trip to Russia. - From US Department of State - http://travel.state.gov/travel/cis_pa_tw/cis/cis_1006.html Russia tourism - Russia vacation reviews __ Wide ranging general interest page about Russian tourism including hotel recommendations, sights to see and things to do. - illustrated - From tripadvisor.com - http://www.tripadvisor.com/Tourism-g294459-Russia-Vacations.html Russia Travel Guide @ TravelNotes.org __ "...Russia, and its former union of soviet socialist republics, is still coming out of the cold. Find out more about Russia." - From TravelNotes.org - http://www.travelnotes.org/Europe/russia.htm The Russia Travel Official Guide __ You will find all you need to plan a business trip or vacation in Russia. - illustrated - From russia-travel.com - http://www.russia-travel.com/ Welcome to Russia __ Official travel guide to Russia. All you need to know to plan a trip to Russia for business or pleasure. From visa requirements till the time you wave good-by. - illustrated - From Russiatravel.com - http://www.russia-travel.com/ Web archaeolink.com Top of Page