JoHo Questions & Answers

 

The World of JoHo

Discover The World of JoHo WorldSupporter

Discover The World of JoHo WorldSupporter

The world of JoHo footer met landenkaart

 

JoHo mission

  •  JoHo wants people and organizations to collaborate and contribute to a tolerant and sustainable world.

JoHo purpose

  • Through the establishment of global stores (support centers), networks and internet platforms, JoHo wants to encourage and support people and organizations in sharing knowledge, making decisions and developing talent.
  • "Discover the invented wheels": the common theme in the activities of JoHo is making information available. Sharing information and bringing parties together through a practical approach saves time, money and effort. Also in international cooperation knowledge is not always shared and available resources are often underused. The wheels are being reinvented, again and again and by many organizations.
  • By setting up local support centers JoHo makes a significant contribution to successful international cooperation. Interested and enterprising people with initiatives in the field of international cooperation, development, sustainable tourism and conservation, can easily get connected, transfer knowledge and get support.  

JoHo target group

  • JoHo´s target groups are pupils, students, expats, entrepreneurs, travellers, volunteers and organizations who care about international cooperation.

JoHo themes

  • JoHo's core themes are: Talent Development (Learn & Study, Work & Career, Enterprise & Initiate) and International Cooperation (Help & Inspiration, Travel & Control, Immigration & Immigrating).

JoHo products and services

JoHo's main products and services are: coaching, advice and discounts on articles, insurances, travel services, activities, training, facilities, summaries and media.

What does The World of JoHo consist of?

  • JoHo Centers: the online and physical JoHo platforms for JoHo supporters and members.
  • JoHo World Supporter: the JoHo platform for everybody who wants to do something for another. It is an online community and marketplace for global citizens, businesses and volunteers.
  • JoHo World Summary Bank: the JoHo platform for supply and demand in the field of national and international summaries.
  • JoHo World Activity: the JoHo platform and concept store for supply and demand in terms of products, training, mediation and insurance for trips and activities abroad.
  • JoHo World Insurances & Travel Information: the JoHo platform for all your insurances, security precautions, visa, vaccinations and health services related to a short or long stay abroad.

What is a JoHo support center?

  • In a JoHo support center, you can experience The World of JoHo. You can find the JoHo support centers in several cities in the Netherlands and you can walk in, just like in a regular store.

Where can I find JoHo support centers?

  • JoHo is based in the Netherlands in The Hague, Leiden, Amsterdam, Utrecht and Groningen. Abroad, you can find JoHo centers in Manilla, Beijing, Willemstad, and with partnerships in 35 other countries.

How can I use JoHo?

  • Explore The World of JoHo and make use of the support center, websites, magazines and events.

How can I support JoHo?

  • By using the products and services of JoHo, you automatically support the objectives of JoHo.
  • You can also donate online or via JoHo support centers.
  • JoHo members allow JoHo to act in the field of development cooperation, knowledge sharing and talent development.

How can JoHo support me?

  • In addition to the support that you provide, JoHo supports you with help in choosing, advice and discounts on products, insurance, travel, activities, training, facilities, summaries and media use.

What did JoHo and its members already achieve and what are the current projects?

How did JoHo start?

  • JoHo started twenty years ago as a local youth foundation for educational support. The organisation still offers a wide variety of educational support products to students. However the focus of the organization has shifted more and more towards international cooperation and talent development.
  • JoHo now has approximately 50.000 members and the JoHo network consists of JoHo support in more than 30 countries.

What is the meaning of the name JoHo?

  • The name JoHo has had several meanings over the years. Today it refers to a more than 2000 year old quote from Ashoka. On the banks of the Ganges the Indian visionary & ruler Ashoka tried to explain to his people that all peoples of the earth are equal and can learn from each other: "Life is a Journey to Open mindedness, Helpfulness & Optimism."

 

"Life is a Journey to Open-mindedness,

Helpfulness & Optimism."

 

The world of JoHo footer met landenkaart
 

JoHo Account

JoHo account - FAQ Bundle (EN)

JoHo account - FAQ Bundle (EN)

What to do when having trouble logging in?

What to do when having trouble logging in?

  • If you forgot your password you can request a new password .
  • You will receive a link by e-mail through which you can reset your password.
  • Don't forget to change your password after you are logged in. You can change your password under the tab 'bewerken' and save your changes by clicking on 'opslaan'.
  • If you filled in a wrong password more than five times, your account will be temporarily blocked. Wait for a couple of hours (+/- 6) and try again. 
Where can I find information about JoHo's privacy policy?
How to change my personal details?

How to change my personal details?

  • If you want to change your personal details (e.g. your address or bank account number) fill in this form  (in Dutch) or the contact form  (if you have problems filling in the change form in Dutch).
  • JoHo will process the changes in the administration and send you a confirmation by email.

JoHo & Memberships

JoHo Memberships: Worldwide (EN) - FAQ Bundle

JoHo Memberships: Worldwide (EN) - FAQ Bundle

How can I apply for a JoHo membership?

How can I apply for a JoHo membership?

  • To support JoHo and receive various discounts and services in return you can become a JoHo member, starting from 5 euros per calendar year.
  • You can apply for a JoHo membership by filling out the application form  online or in one of the JoHo support centers.
  • JoHo memberships are continuous and the annual contribution is for the period of one calendar year (1st of January until the 31st of December regardless of moment of registration).
Where can I find information about discounts and services?
Which projects are supported by JoHo members?
WorldSupporter: What is JoHo Worldsupporter?

WorldSupporter: What is JoHo Worldsupporter?

Worldsupporter Website

JoHo WorldSupporter

  • You Facebook about your private life, use LinkedIn for your career. But where do you share everything you do, think and initiate for a better world? That's what WorldSupporter is for!

  • WorldSupporter is an online community in which individuals and organizations inspire and help each other on a local and global level

  • You can share and find everything there is to help someone else, travel responsibly, study well, develop yourself and work for an organization that cares for a better world

  • You can gain knowledge, share experiences, answer questions, post comments, and publish your own WorldSupporter CV

  • You can share your summaries, photos, blogs, magazines, events, sustainable recipes and tips for others

  • You can meet involved Supporters from over 150 countries and help making the world around them a better place

How can I change my support and membership?

How can I change my support and membership?

  • As a JoHo member it is possible to change your membership to make use of more, or less, services and discounts.
  • For changes you can use the change form  (in Dutch) or the contact form  (if you have problems filling in the change form in Dutch).
  • When you add a subscription it's always for the current calendar year, regardless of the moment of upgrading. For the current calendar year you only pay the difference between your current and new subscription.
  • Cancellations are processed at January 1st of the next calendar year. Until then you can make use of the services and discounts of your current subscription. 
How to stop your JoHo support?

How to stop your JoHo support?

  • JoHo memberships and subscriptions are continuous until cancellation. 
  • Cancelling your JoHo membership and subscription for the next calendar year can be requested up to one month before the end of the current calendar year.
  • Regardless of the moment of cancellation you'll get the discounts and services untill the end of the current calendar year.
  • Would you like to support JoHo and yourself? Then you can also choose to cancel your subscription, but to support JoHo via a yearly donation (5 euro/year).
  • A JoHo contribution (membership and/or subscription) can be cancelled by filling in the form . The form is in Dutch. Select 'Donateurs + abonnementsbijdrage beëindigen ' to cancel your membership. Your cancellation will be processed automatically.
Summaries & Study Support: for international students in the Netherlands - FAQ Bundle

Summaries & Study Support: for international students in the Netherlands - FAQ Bundle

What types of summaries and study assistance does JoHo offer?

What types of summaries and study assistance does JoHo offer?

JoHo summaries and study materials can be found in 6 different forms:

Book summaries

  • JoHo Book summaries of textbooks or professional literature give you insight into the main and side issues of the most essential and current literature in your field

BulletPoint Summaries

  • JoHo BulletPoint summaries are ultra-short summaries displayed in bullets
  • BulletPoints can also consist of glossary and definition lists or stamp questions

Article summaries

  • JoHo Article Summaries are complete summaries of scientific articles that you will use during and after your studies
  • The essence of this can often be expressed in a few paragraphs or sometimes even a few sentences

ExamTickets

  • JoHo ExamTickets consist of short bullets with subject-oriented exam tips and sample questions, so that you know what you have to learn and how you should study

ExamTests

  • JoHo Exam Tests consist of bundles of exam and practice questions that provide extra understanding, test your knowledge and give insight into the way in which an exam will be taken

Study Notes & Sheets

  • JoHo Study notes and sheets are summaries of lectures, working groups that give you more insight into what is considered important by teachers.
Who can pass an exam with JoHo summaries and study assistance?

Who can pass an exam with JoHo summaries and study assistance?

Passing your exam with JoHo summaries and study assistance

  • It often happens that students pass their exams by only studying and practicing with the JoHo summaries and study assistance - especially if the different JoHo’s are used.

  • The final result is of course related to many more factors and the use of JoHo's therefore gives no guarantee of success.

  • JoHo recommends using the JoHo’s as additional tools and not as a substitute for, for example, attending lectures or studying books.

  • You can also use the specific JoHo ExamTickets that are often given with the JoHo’s for the best preparation.

How do I get free sponsored summaries and what do summaries cost when they are not sponsored?

How do I get free sponsored summaries and what do summaries cost when they are not sponsored?

Free to use and sponsored for JoHo subscribers

Beneficial for JoHo members

Available for everyone

Who can use what and for what price?

JoHo subscribers

Using Summaries and Study Aid

  • JoHo subscribers can pick up free print summaries all year round from JoHo, study association or have them delivered at home

  • JoHo subscribers have access to all online summaries, bullet summaries, exam tests and training, and additional study help on JoHo.org

  • JoHo subscribers gain insight into the way in which the exams will be taken

  • JoHo subscribers get tips and tricks for the most efficient study methods

Contribution

  • JoHo subscribers contribute 20 euros per calendar year to the objectives of JoHo

  • JoHo subscribers who are also JoHo members receive a 10 euro discount on their JoHo subscription

  • JoHo subscribers who join in the period from July to December can use the benefits and services with their subscription for free in the first months.

JoHo members

Using Summaries and Study Aids

  • JoHo members have access to all shared lecture notes, past exams and other study assistance on JoHo WorldSupporter(.org)

  • JoHo members get a 20% discount on home-delivered printed summaries

  • JoHo members receive a 10 euro discount when taking out a JoHo subscription

Contribution

  • JoHo members contribute from 5 euros per calendar year to the objectives of JoHo

Everybody

Using Summaries and Study Aid

  • Anyone can view the first chapters of many book summaries on JoHo.org without taking out a subscription

  • Anyone can find and use summaries posted by fellow students for free on JoHo WorldSupporter(.org)

  • Anyone can create an account on JoHo WorldSupporter(.org) to share their own notes and study aid with fellow students

  • Anyone can order printed JoHo's for 5 euros each, plus shipping and handling costs

Access to JoHo services

How can I find the JoHo summaries and study assistance?

How can I find the JoHo summaries and study assistance?

Do you want use online Summaries and study assistance?

1. Go to the JoHo Summary Shops  of your study(year)

  • Here on the World of JoHo website (joho.org/nl) you will find all summaries and study assistance that JoHo has made for you via the Summaries Shops
  • These summaries and assistance have been compiled per subject and field of study to optimally support you in passing your courses and to allow you to delve further into your study.

2. Check the JoHo Advice and Summaries per course

  • In the JoHo Summaries Shops you will find JoHo Advice & Assortment Guides per subject

  • Check the Advice & Assortment Guides for tips on the subject and an overview of the range of published and expected summaries and study assistance

3. Check the Course and Book Tools for your courses

  • In the Course and Book Tools you will find all summaries, bullet summaries, exam tests and training and extra study assistance collected per course or per book

  • Become a JoHo subscriber  or log in to study and take notes immediately

Do you want to use print summaries?

Pick up prints at one of the pickup counters (for JoHo subscribers)

  1. Go to JoHo Summaries Shop  of your our study(year)
  2. Check the JoHo Advice & Assortment Guides
    • In the Advice & Assortment Guides you can see whether the Print summaries for your courses have already been published or are still expected
  3. Go to the Printshop for your field of study
    • You can find the Printshop with all printed summaries per year or per block in the Summaries shop of your our study(year)
  4. Log in and check your Pinpoints
    • Request extra Pinpoints if you don't have enough
  5. Add the printed summaries to your shopping cart
  6. Choose to pick up at a pickup counters (pick-up at convenient location) at JoHo or at your study association
  7. Check the pick-up times and pick up your order

Have prints sent to your home adress

  1. Go to JoHo Summaries Shop  of your field of study
  2. Check the JoHo Advice & Assortment Guides
  3. Go to the Printshop for your field of study
  4. Log in as a JoHo subscriber to use your Pinpoints or order with a discount
  5. Add the printed summaries to your shopping cart
  6. Choose for shipping to your home address
  7. Pay with Ideal, Paypal or Credit card
  8. The summaries will be sent within a few working days.
How do you know whether you can already use, order or pick up a JoHo summary online?

How do you know whether you can already use, order or pick up a JoHo summary online?

How do you check the status of summaries and study assistance per subject?

  • You can find the status of a new JoHo (summary & study assistance) in the online JoHo Summaries Shop of a study or study phase via the advice and assortment guide or via the Announcements in the Subject or Book Tools.

 Published

  • If the status is set to 'Published', the online summary can be used immediately by JoHo subscribers and the print summary can be ordered immediately for pickup or to have it sent to your home.

Expected

  • If the status is set to 'Expected', this means that the summaries are still being written and/or edited.
  • If a summary is expected, an indication of the publication date is always indicated. In practice, summaries, or the first part of the summaries, are often published before the expected dates.

 Delayed

  • JoHo strives to make the summary available at latest on the expected date, but it is of course possible that this will be changed.
  • Authors often work under great time pressure and in a number of cases the prescribed literature is known late. Thank you in advance for understanding if this causes delay in a single case.

What are the options for getting free Print summaries?

Pick up at your study association

  • The possibilities may differ per study association and there may be different times when it is possible to pick up
  • In the summaries shop of your study year you can see if, how and when there are pick-up options and your study association will also communicate about it via social media and websites.

Pick up at a JoHo support center

  • Weekly pick-up options are available in one of the JoHo support centers in The Hague, Leiden and Utrecht. For the current pick-up times, see the contact with JoHo page
  • The print summaries of all studies and universities can be picked up in The Hague, in Leiden and Utrecht only the summaries for the studies in that city.
Who makes the JoHo summaries and study assistance?

Who makes the JoHo summaries and study assistance?

Authors

  • JoHo works with authors who have completed and understood the courses and subjects at an earlier stage (Master students, graduates, tutors) and who are therefore considered able to stand 'above the material'. The notes of the lectures and tutorials are made by students who follow the course themselves.

  • The quality per author can of course differ, but in general the summaries are of high quality.

  • Understanding requested: it is possible that the authors of JoHo, when making lecture notes or summaries of which the literature is published late, work under great time pressure and occasionally do not meet their average quality. This is generally indicated with the relevant summary and this summary can then be used online free of charge.

Master students, graduates, tutors

  • Create summaries of books and articles
  • Create subject-oriented ExamTests, sample questions and ExamTickets

Senior students, rehearsals, experienced JoHo authors

  • Create subject-oriented ExamTests, sample questions and ExamTickets
  • Check and edit summaries of books and articles

Students taking courses

  • Create lecture notes and sheetnotes
  • Check and edit exam tips, sample questions and ExamTickets
How does a JoHo summary shop work?

How does a JoHo summary shop work?

Summary Shops

  • Summaries Shops are overview pages per study or study phase where you can get decision aid for all JoHo summaries and study aid materials, where you can check whether the online and printed summaries are already available and where you can pick up printed summaries.

How does it work in short

  1. Check the Advice & Assortment Guides for tips on the course and an overview of the summaries and study assistance
  2. Find all summaries, bullet summaries, exam tests and training and extra study help collected by Course or Book tool
  3. Join JoHo as a JoHo subscriber  and study online or pick up JoHo's for free at the pickup counters or have them delivered at home
  4. Order online if you don't want to become a subscriber yet

What can you find in a Summary Shop?

  • Advice & Assortment Guides:

    • In the Advice & Assortment Guides you will find tips about the course, an overview of which JoHo's are available or expected for you online and in print and which of them are useful, necessary or essential.
  • Course Tools and Book Tools

    • In the Course and Book Tools you will find all summaries, bullet summaries, exam tests and training and extra study assistance collected per course or book
    • If you are a JoHo subscriber and are logged in, you can read all summaries and study assistance per course or per book and take notes per tool or chapter
  • Order summaries & Delivery:

    • Under 'Printed & Delivery' help you will find a link to the Print Shop or to a Shop Bundle per study year where you can easily order all (free) printed summaries to pick up or have them delivered at home.
  • Join JoHo as a subscriber:

    • If you join JoHo (for less than 1.50 per month!) you can study online for free all year round and collect at least 10 summaries for free through sponsorship of JoHo partners.

Footprints & Tips

  • When you have found what you were looking for, save your pages in your own account.
  • Anyone who is logged in as a JoHo member or subscriber can see his or her favorites at the bottom of every online page of the website or what he or she still needs to study.
  • You can leave these footprints on every page where you are so that you can easily find your way back next time.

Didn't find what you were looking for?

  • You can use the 'Helpdesk & Support' section at the bottom of any Summaries Shop or search by author or title via one of the search fields.
  • All important study fields have their own Topic pages (in Dutch) where you can find more about the background of the study field, summaries of the most important textbooks, related vacancies, related internships abroad and other useful information.
  • You can pose a question by telephone or the online contact form
WorldSupporter: What is JoHo Worldsupporter?

WorldSupporter: What is JoHo Worldsupporter?

Worldsupporter Website

JoHo WorldSupporter

  • You Facebook about your private life, use LinkedIn for your career. But where do you share everything you do, think and initiate for a better world? That's what WorldSupporter is for!

  • WorldSupporter is an online community in which individuals and organizations inspire and help each other on a local and global level

  • You can share and find everything there is to help someone else, travel responsibly, study well, develop yourself and work for an organization that cares for a better world

  • You can gain knowledge, share experiences, answer questions, post comments, and publish your own WorldSupporter CV

  • You can share your summaries, photos, blogs, magazines, events, sustainable recipes and tips for others

  • You can meet involved Supporters from over 150 countries and help making the world around them a better place

How can I use JoHo WorldSupporter for my studying?

How can I use JoHo WorldSupporter for my studying?

Your study, your knowledge, your personal development, your WorldSupporter

  • On the JoHo WorldSupporter platform you can, among other things, share international and local summaries and exchange experiences with your fellow students. You will find magazines from students, student organizations and many other Supporters who want to help each other

  • Summaries, exercise materials and notes that you can use for your studies are shared through these magazines

  • You can also share your knowledge on the platform and use your personal development to help others with their studies and careers. For example, you can share your self-made summaries or post your best study tips

  • Most of the JoHo practice materials and lecture notes can now also be found on WorldSupporter to contribute to a world of knowledge sharing and personal development

JoHo & Memberships for internationals students in the Netherlands
Summary Shops for international students in the Netherlands - Start
JoHo Services: PinPoints & Sponsored Summaries - Bundle (EN)

JoHo Services: PinPoints & Sponsored Summaries - Bundle (EN)

What are JoHo PinPoints?

What are JoHo PinPoints?

What are JoHo PinPoints?

  • JoHo PinPoints are points that you can use to order free printed summaries
  • You can use JoHo PinPoints for both the pick-up service and the delivery service.
  • JoHo subscribers receive a minimum of 10 PinPoints per year
How can you use JoHo Pinpoints for extra benefits?

How can you use JoHo Pinpoints for extra benefits?

How can you use JoHo PinPoints to pick-up free summaries or have them delivered to your home?

  1. Go to the print shop of your study program
  2. Log in, check your Pinpoints (request extra PinPoints if you don't have enough)
  3. Add the printed summaries to your shopping cart
  4. Choose to pick up at a pickup location
  5. Pick up your order during one of the pick-up moments
How can you get new or extra Pinpoints?

How can you get new or extra Pinpoints?

How many PinPoints do JoHo subscribers get per year?

  • Every year as a subscriber you will receive 10 new PinPoints at the start of the year.

How can you get extra PinPoints through the partners affiliated with JoHo?

  • Several JoHo partners can have members or customers request extra PinPoints from JoHo for extra benefits.
  • To request additional JoHo PinPoints, fill in a contact form stating the JoHo partner you are affiliated with.
  • The extra PinPoints will be on your account within two working days

Can you also order extra PinPoints?

Yes, if you need extra PinPoints, you can also order these

  1. Go to Extra JoHo pinpoints for subscribers
  2. Choose one PinPoint for 2.50 or five for 10 euros
  3. Pay with Ideal, PayPal or credit card
  4. The extra PinPoints will be added directly to your account.
JoHo & Memberships for internationals students in the Netherlands

Insurances & Stay abroad

JoHo: worldsupporter blog selection
How to Handle Stress - Ilona
Stress 75 to 95 percent of visits to the doctor are for stress-related conditions Allostatic load: a...
Travelling sustainably and ethically: tips & tricks - hannahlow
Hey everyone,  Today I want to talk about travelling sustainably and ethically, since I think these are two of...
How to find a conservation job - hannahlow
Through this blog I want to tell you something about my search for jobs in the field of nature conservation. When I...
Slow Travel - A conscious approach to travelling - hannahlow
Slow travel is a new term that stands for sustainable and conscious travelling. Nowadays, it's becoming...
Blaze in Baseco Manila - deanne WEP
How would your life change if your house burned down? What if you lost almost everything you owned in one snap?...
JoHo: worldsupporter event selection
Add your own online or life event - W. Support
  Add an upcoming or repeating event or check the Events & Meet up Page All events that, to some...
Event 'Creating a sustainable future' - Cennet
De opwarming van de aarde is de grootste existentiële uitdaging van onze tijd en vereist enorme maatschappelijke...
13 oktober - Wereldstage/ Curacao day! - JoHo Worldsupporter
Stage lopen en vrijwilligerswerk in Curacao. Ontmoet Wereldstage Curacao en oud stagiairs Wereldstage presentaties...
World Tourism Event: Creating Better Places - Koert Hommel
Wat "Dé internationale conferentie over duurzaam toerisme" Waarom Het is voor iedereen belangrijk dat er...
Gratis Interrail aanvragen om Europa te ontdekken - sanderP
In de zomer van 2018 mogen 15.000 EU-jongeren Europa gaan ontdekken met een gratis Interrail pas. Maak als een van de...
JoHo: footprints
  • Leave footprints on the site by adding pages to your own bundles

Add a footprint 

Contact & Insurance Advice

 

Contact

Online & Mail: use the contactform

Tel & Appointments +31 (0)88-3214567 (Monday-Friday 12.00-16.00)

JoHo support centers in NL: The Hague - Utrecht - Leiden

Why Insurances through JoHo

Why Insurances through JoHo

  • Specialized: in emigration, work, internships, study and travel abroad.

  • Service: JoHo offers multiple travel insurances by multiple companies. Thanks to JoHo's extensive experience, it can offer support in case of problems with insurers, as well as advice and fast and personal handling.

  • Safe: JoHo is recognized as a trustworthy intermediary for insurances.

  • Social: by purchasing an insurance through JoHo you provide a talented student in The Philippines with health insurance

Why Should You Take Out A Travel Insurance?

  • The chance of getting injured or ill is generally higher than when you would have stayed at home. The medical care you will need can be very expensive, even more so if you are treated in a private clinic.

  • If you have to fly back because of family circumstances, the flights might be more expensive than your original flight because you have to fly on short notice.

  • You might have to deal with the damage, loss or theft of your luggage.

  • In case of emergency it can be difficult to figure out what to do. A good travel insurance will have an assistance team on standby for you 24/7 and will be able to tell you what steps to take.      

Why Should You Specifically Take Out A Travel Insurance For A Long Trip Abroad?

  • Often regular travel or health insurances only cover trips for a maximum number of days (for example 60, 90 or 180 days). 

  • Depending on your home country, your health insurance might not offer any coverage for treatment abroad.

  • During a long trip you might consider specific activities, like paid work or volunteering. Regular travel insurances often don’t cover these kind of activities. The same goes for adventurous/ hazardous sports like skydiving, scubadiving and bungee jumping.

More on why to use JoHo

  • JoHo is one of the few organisations  where you can directly purchase a comprehensive range of foreign insurances from a variety of insurers. As with our other products and services, we believe that you should be able to choose between the best, the most cost effective and the most specialised insurance.

  • JoHo offers various possibilities from combining insurances to assisting in transferring from one insurer to another.

  • When you purchase an insurance policy through JoHo, you will not pay more than if you had purchased it directly from the insurer. Sometimes (through special collective agreements) you will even pay less.

  • JoHo offers support with problems that may arise with the insurer. Sometimes disagreement with claims, cancellation notice or insurance premiums can occur. In this situation it helps if you have the assistance of an organisation who has an established relationship with the insurer.