The General Insurance Number
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Announcement
Announcement QBE Asia wins Digital Insurance and two Claims Initiative Awards in Hong Kong and Singapore Hong Kong and Singapore, 15 Aug 2021 - QBE Asia, part of the International Division of QBE Insurance Group Limited, has won a total of three Claims and Digital Initiative awards at the Insurance Asia Awards 2021. These awards recognise the company’s outstanding achievement in providing seamless and convenient digital claims experiences for our business partners and customers. In Hong Kong, QBE extended its Digital Claims platform’s capability for home insurance in January 2021 following the success with its first introduction of the Digital Claims platform in 2019. It is an integrated platform where customers can manage both home claims and repairs simultaneously. Claims can be submitted, processed, and paid 24/7 anywhere and on any web-based device. Customers will be connected and auto matched to QBE’s network of adjusters and panel home contractors according to their needs and the nature of the home damage. Furthermore, they can also enjoy a faster repair survey and claims settlement via a single touchpoint with exclusive benefits on repairs. This will speed up their home damage recovery progress and allow them to return to normal daily lives quickly. “At QBE Hong Kong, we put our customers at the centre of all that we do, we understand our customers’ pain points and we are committed to provide a seamless claims process and value-added experience that will help them get back on their feet quickly.” said Lei Yu, Chief Executive Officer for North Asia and Regional Head of Distribution, QBE Asia. -
Arkansas Term Limits Draft
Term Limits in the Arkansas General Assembly: A Citizen Legislature Responds By Art English, University of Arkansas at Little Rock Brian Weberg, National Conference of State Legislatures Joint Project on Term Limits 2004 National Conference of State Legislatures Council of State Governments State Legislative Leaders’ Foundation 7700 East First Place Denver, CO 80230-7143 (303) 364-7700 • fax (303) 364-7800 444 North Capitol Street, N.W., Suite 515 Washington, D.C. 20001 (202) 624-5400 • fax (202) 737-1069 http://www.ncsl.org © 2005 by the National Conference of State Legislatures. All rights reserved. INTRODUCTION In 1992, 59.9% of the voting citizens of the State of Arkansas approved Amendment 73, a constitutional limitation on the terms of office of their state legislators. It was a banner year for the term limits movement, with a total of 12 legislatures joining the club that fall. The Arkansas margin of victory was relatively low compared to the overwhelming voter approval of term limits in other states. But whatever Arkansas citizens may have lacked in enthusiasm for Amendment 73, they made up for by the rigor of its provisions. Amendment 73 limits service in the Arkansas State Legislature to three two-year terms in the House and two four-year terms in the Senate. Citizens of the state who are eligible for elective office can anticipate a legislative career that will last no longer than 14 years, assuming they win all of their elections and pursue the maximum opportunity to serve at the State Capitol. Citizens who serve 14 years become ineligible for election to the Legislature. -
Fire & General Insurance Providers
FIRE & GENERAL INSURANCE PROVIDERS COMPANY FINANCIAL STRENGTH RATING RATING AGENCY AIG Asia Pacific Insurance Pte Ltd A A M Best A+ Standard & Poor’s AIG Insurance NZ Ltd A Standard & Poor’s Allianz Australia Insurance Limited AA- [*] Standard & Poor’s Ando (UK) Insurance Group Limited Refer Lloyd’s Ando Insurance Group Limited A- [*] A M Best (underwritten by Hollard Insurance Company Pty Ltd) AWP Services New Zealand Limited A- [*] A M Best trading as Allianz Partners (underwritten by Hollard Insurance Company Pty Ltd) Berkshire Hathaway Speciality Insurance A ++ A M Best (incl. BHSI Facilities) AA+ Standard & Poor’s Chubb Insurance New Zealand Ltd AA- Standard & Poor’s Classic Cover (underwritten by Lumley a Refer NZI a division of IAG New business division of IAG New Zealand Ltd) Zealand Ltd Cover-more (NZ) Ltd Refer Zurich New Zealand Dealersblock Insurance (Bus) Refer NZI a division of IAG New Zealand Ltd Delta Insurance NZ Ltd Refer Lloyd’s Delta Property Insurance Limited Refer Lloyd’s Dual New Zealand Ltd Refer Lloyd’s Ed Brokering LLP Refer Lloyd’s GT Insurance Refer Allianz Australia Insurance Limited HDI Global SE, Australia A+ [*] Standard & Poor’s Insurance Wholesale Limited Refer Lloyd’s International Underwriting Agencies Ltd Refer Lloyd’s, NZI a division of IAG New Zealand Ltd:-as advised Lumley, a business division of IAG New Refer NZI a division of IAG New Zealand Ltd Zealand Ltd NZI a division of IAG New Zealand Ltd AA- Standard & Poor’s (Incl. NZI Standard) NZI and Vero Insurance Refer NZI a division of IAG New Zealand -
Arizona Constitution Article I ARTICLE II
Preamble We the people of the State of Arizona, grateful to Almighty God for our liberties, do ordain this Constitution. ARTICLE I. STATE BOUNDARIES 1. Designation of boundaries The boundaries of the State of Arizona shall be as follows, namely: Beginning at a point on the Colorado River twenty English miles below the junction of the Gila and Colorado Rivers, as fixed by the Gadsden Treaty between the United States and Mexico, being in latitude thirty-two degrees, twenty-nine minutes, forty-four and forty-five one- hundredths seconds north and longitude one hundred fourteen degrees, forty-eight minutes, forty-four and fifty-three one -hundredths seconds west of Greenwich; thence along and with the international boundary line between the United States and Mexico in a southeastern direction to Monument Number 127 on said boundary line in latitude thirty- one degrees, twenty minutes north; thence east along and with said parallel of latitude, continuing on said boundary line to an intersection with the meridian of longitude one hundred nine degrees, two minutes, fifty-nine and twenty-five one-hundredths seconds west, being identical with the southwestern corner of New Mexico; thence north along and with said meridian of longitude and the west boundary of New Mexico to an intersection with the parallel of latitude thirty-seven degrees north, being the common corner of Colorado, Utah, Arizona, and New Mexico; thence west along and with said parallel of latitude and the south boundary of Utah to an intersection with the meridian of longitude one hundred fourteen degrees, two minutes, fifty-nine and twenty-five one- hundredths seconds west, being on the east boundary line of the State of Nevada; thence south along and with said meridian of longitude and the east boundary of said State of Nevada, to the center of the Colorado River; thence down the mid-channel of said Colorado River in a southern direction along and with the east boundaries of Nevada, California, and the Mexican Territory of Lower California, successively, to the place of beginning. -
Part VII Transfers Pursuant to the UK Financial Services and Markets Act 2000
PART VII TRANSFERS EFFECTED PURSUANT TO THE UK FINANCIAL SERVICES AND MARKETS ACT 2000 www.sidley.com/partvii Sidley Austin LLP, London is able to provide legal advice in relation to insurance business transfer schemes under Part VII of the UK Financial Services and Markets Act 2000 (“FSMA”). This service extends to advising upon the applicability of FSMA to particular transfers (including transfers involving insurance business domiciled outside the UK), advising parties to transfers as well as those affected by them including reinsurers, liaising with the FSA and policyholders, and obtaining sanction of the transfer in the English High Court. For more information on Part VII transfers, please contact: Martin Membery at [email protected] or telephone + 44 (0) 20 7360 3614. If you would like details of a Part VII transfer added to this website, please email Martin Membery at the address above. Disclaimer for Part VII Transfers Web Page The information contained in the following tables contained in this webpage (the “Information”) has been collated by Sidley Austin LLP, London (together with Sidley Austin LLP, the “Firm”) using publicly-available sources. The Information is not intended to be, and does not constitute, legal advice. The posting of the Information onto the Firm's website is not intended by the Firm as an offer to provide legal advice or any other services to any person accessing the Firm's website; nor does it constitute an offer by the Firm to enter into any contractual relationship. The accessing of the Information by any person will not give rise to any lawyer-client relationship, or any contractual relationship, between that person and the Firm. -
Overwhelmed an Overview of Factors That Impact Upon Insurance Disclosure Comprehension, Comparability and Decision Making, September 2018
Overwhelmed An overview of factors that impact upon insurance disclosure comprehension, comparability and decision making, September 2018 Monash University and the Financial Rights Legal Centre, with the support of funding from the Victorian Fire Services Levy Monitor have produced a report titled: (In)effective Disclosure: A study of consumers purchasing home and contents insurance1. The experimental study aimed at examining how the newly introduced requirement for providing a Key Fact Sheet (KFS) for home and contents insurance enhances consumer perceptions and decision outcomes. The study in particular examined how: (i) consumers engage with the KFS and/or Product Disclosure Statement (PDS) at the point of sale; (ii) consumers perceive the information provided by the KFS and/or PDS; and (iii) the obtaining of this information and knowledge leads to perceptible changes in consumer decision-making behaviour. The study tested engagement, comprehension and behaviour of consumers in a specifically designed, experimentally controlled environment that nevertheless reflected the insurance purchasing process, albeit a simplified version. The study limited the number of parameters to ensure that the participant respondents were, in a sense, given the best chance to select the best PDS or KFS. For example, all tested policies were equally priced. Policies were non-branded to control for the effect of brand names. PDSs were reduced in size to 20 pages each rather than the usual 80 plus pages. KFSs also closely matched the legislated requirements but the number of covered events was reduced. The decision to essentially simplify the KFS and PDS and control for as many factors as possible, was made to ensure that the findings were obtained in as optimized a purchasing and decision-making context as possible. -
The General Automobile Insurance
The General Automobile Insurance escribesPreservable and Irving prettify. crimples Charlton Judaically, misprint heher stopper armful whisperingly,his nightlife very ultrabasic assumingly. and campanulate. Bucky is Caenozoic and threshes loquaciously while ungilded Dunstan We make payments to ask additional sales of alabama legislature to cost more apparent than the general Find how and where to get prelicensing and continuing education in this section. The reputation began making the ruffle was characterized by early explorers as from savage wilderness line of outlaws and thieves. Department of american automobile insurance quote is general auto coverage pays nothing he said were looking for general automobile insurance? The blacks resulted in churches in the territorial cup? We shop the market for the provider with the lowest price to fit your needs. Indeed, California is the largest consumer of water in North America. Coverage options include all policy providers or, you may not realize the general automobile insurance does the companies please be adversely impacted if it? Progressive have more skyscrapers have. Warrant direct compensation may provide. Unsubscribe at finder who you often the general automobile insurance companies as a ticket or community affordable car for general automobile insurance with. Permanent General Companies Inc Company Profile. Board to the general automobile insurance companies specialize like lkq for general automobile insurance provider covers lost in massachusetts, here are food processing. Newer drivers are often forced in to driving with less insurance then they would normally want. The General Automobile Insurance Services's advertising profile including ad spend recent creative company contacts the analysis you when to link key. -
WV State Constitution
THE CONSTITUTION OF WEST VIRGINIA Ratified in 1872 TABLE OF CONTENTS Article I. Relations to the Government of the United States. Article II. The State. Article III. Bill of Rights. Article IV. Elections and Officers. Article V. Division of Powers. Article VI. The Legislature. Article VII. Executive Department. Article VIII. Judicial Department. Article IX. County Organization. Article X. Taxation and Finance. Article XI. Corporations. Article XII. Education. Article XIII. Land Titles. Article XIV. Amendments—How Made. Judicial Amendment. Irreducible School Fund Amendment. Good Roads Amendment of 1920. Good Roads Amendment of 1928. Secondary Road Bonds Amendment of 1948. Veterans' $90,000,000.00 Bonus Amendment. Korean Veterans' Bonus Amendment. Better Roads Amendment of 1964. Roads Development Amendment of 1968. Better School Buildings Amendment. Better Highways Amendment. Vietnam Veterans Bonus Amendment. Qualified Veterans Housing Bonds Amendment. Veterans Bonus Amendment– Persian Gulf, Lebanon, Grenada and Panama Infrastructure Improvement Amendment. Safe Roads Amendment of 1996 Veterans Bonus Amendment– Kosovo, Afghanistan and Iraq [See footnotes for other amendments Articles I through XIV.] [ 51 ] 52 WV CONSTITUTION [Art. 1, Sec. 1] PREAMBLE Since through Divine Providence we enjoy the blessings of civil, political and religious liberty, we, the people of West Vir- ginia, in and through the provisions of this Constitution, reaffirm our faith in and constant reliance upon God and seek diligently to promote, preserve and perpetuate good government in the State of West Virginia for the common welfare, freedom and security of ourselves and our posterity. [This preamble was proposed by House Joint Resolution No. 8, Acts, Regular Session, 1959, p. 659; submitted by Acts, Regular Session, 1960, c. -
IAG Corporate Profile March 2021
IAG corporate profile March 2021 IAG is the parent company of a general insurance group with controlled operations in Australia and New Zealand It is listed on the Australian Securities Exchange (ASX) with ordinary shares trading under the ticker “IAG.” References in the remainder of this profile to IAG and to “the Group” are to IAG and its subsidiaries on a consolidated basis. Financial data for the 12-month period ended 30 June 2020 and a more comprehensive review of IAG and its operations is contained in the 2020 annual report and the FY20 Investor Report dated 7 August 2020. The IAG FY20 Investor Report is available in the Results & Reports section of the Group’s website (www.iag.com.au). IAG’s current businesses underwrite $12 billion of gross written premium (“GWP”) per annum, selling insurance under many leading and established brands in Australia and New Zealand. IAG also has an interest in a general insurance joint venture in Malaysia. Brief history From its beginnings as a motor vehicle insurer in New South Wales (“NSW”), Australia, IAG has grown to become a general insurance group diversified by product, distribution channel and geography. The Group’s heritage dates back to 1920 when the National Roads and Motorists’ Association (“NRMA”) was established and subsequently offered motor insurance to its members. Following demutualisation in 2000, the insurance arm of NRMA was listed on the ASX as NRMA Insurance Group Limited, and renamed Insurance Australia Group Limited in 2002. The Group grew organically and through acquisitions primarily in its home market of Australia, and in New Zealand. -
COMPETITION COMMISSION of INDIA (Combination Registration No
Fair Competition For Greater Good COMPETITION COMMISSION OF INDIA (Combination Registration No. C-2018/11/618) 19th December, 2018 Notice under Section 6(2) of the Competition Act, 2002 given by Ageas Insurance International N.V. CORAM: Mr. Ashok Kumar Gupta Chairperson Mr. Augustine Peter Member Mr. U. C. Nahta Member Legal Representatives of the Acquirer: Mr. Samir R. Gandhi and Mr. Rahul Rai, AZB & Partners Order under Section 31(1) of the Competition Act, 2002 1. On 29.11.2018, the Competition Commission of India (Commission) received a notice under Section 6(2) of the Competition Act, 2002 (Act) given by Ageas Insurance International N.V. (Ageas / Acquirer). 2. The notice has been filed pursuant to the execution of: (i) Share Purchase Agreement (SPA) entered into between the Acquirer, Royal Sundaram General Insurance Company Limited (RSGI / Target) and Sundaram Finance Limited (SFL) & other selling shareholders of RSGI, on 14.11.2018; and (ii) Shareholders’ Agreement (SHA) entered into between the Acquirer, Target and SFL & other shareholders of RSGI, on 14.11.2018. C-2018/11/618 Page 1 of 3 Fair Competition For Greater Good 3. The Proposed Combination envisages acquisition of 40% of the equity share capital of RSGI by Ageas. The acquisition would be by way of share purchase from some of the current shareholders of RSGI. (Hereinafter, Ageas and RSGI are collectively referred to as Parties). 4. Ageas, incorporated in the Netherlands, is a subsidiary of ageas SA/NV. Ageas is an international insurance solution provider to retail and business customers. ageas SA/NV is the ultimate parent company of all Ageas group companies. -
Ageas SA/NV 11 October 2019 Key Facts and Statistics - FYE 2018
FINANCIAL INSTITUTIONS ISSUER PROFILE Ageas SA/NV 11 October 2019 Key facts and statistics - FYE 2018 Company overview Headquartered in Brussels, Ageas SA/NV (Ageas) is the holding company of Ageas Group. TABLE OF CONTENTS Ageas offers life insurance and nonlife insurance products, including accident and health Company overview 1 insurance, car and motor insurance, fire insurance, and damage to property insurance. It also Financial highlights 2 offers reinsurance services through Intreas N.V. (Intreas) and real estate services through its Business description 2 Distribution channels 4 wholly owned subsidiary, AG Insurance. Ownership structure 4 Ageas has an active presence in Europe and Asia, and it was among the top 20 insurance Company management 5 companies in Europe with a market capitalisation of nearly €8.0 billion, as of 31 December Company history 5 2018. As of the same date, Ageas operated in 13 countries and served around 46.6 million Peer group 6 Related websites and information customers. sources 6 1 Moody’s related publications 6 In the financial year ended 31 December 2018, Ageas reported gross inflow of €10 billion, gross premium income of €8.9 billion and net income of €996.9 million. As of 31 December 2018, the company had total assets of €101.7 billion. Contacts Ageas was formed in November 1993 as Fortis Capital Holding and it changed its legal Christian Badorff +49.69.70730.961 VP-Senior Analyst name to Ageas SA/NV on 28 April 2010. Ageas' shares are listed on Euronext Brussels [email protected] (Ticker: AGEAS). As of 31 December 2018, its largest shareholder was Ping An Life Insurance Lila Sumino +33.1.5330.3359 Company, with a 5.17% stake of Ageas' outstanding shares. -
Background to Private Motor Insurance (Insurers, Brokers and Price Comparison Websites)
PRIVATE MOTOR INSURANCE MARKET INVESTIGATION Background to private motor insurance (insurers, brokers and price comparison websites) Introduction 1. This working paper is in four parts: (a) The first part provides background information on the legal and regulatory framework underpinning the private motor insurance (PMI) industry. (b) The second part provides background information on the provision of insurance policies, including types of PMI and claims costs, information on each of the ten largest PMI insurers, costs of selling PMI and claims experience by channel, common measures of industry profitability, a high-level analysis of profitability, and a description of the bilateral agreements between PMI providers. The ten largest PMI insurers are: Admiral Group plc (Admiral), Ageas NV/SA (Ageas), Aviva plc (Aviva), AXA Insurance UK plc (AXA), CIS General Insurance Limited (CISGIL), Direct Line Insurance Group plc (DLG), esure Insurance Limited (esure), Liverpool Victoria Insurance Company Limited (LV), Royal & Sun Alliance Insurance plc (RSA) and Zurich Insurance plc (Zurich). We estimate that the top ten PMI insurers made up 64 per cent of the total UK PMI market in 2012. The information we set out on these insurers includes the type of each company, its distribution channels and brands used to sell PMI, its gross written premiums (GWP) and the number of policies sold in a year (as rough measures of size), and whether the insurer owns PMI-related companies such as brokers or a price comparison website (PCW). This information was gathered directly from insurers and is more up to date than the data on types of PMI and claims costs which we 1 extracted from a 2012 Datamonitor report.