Exhibit 10.1

FOURTH AMENDMENT
TO
FIRST AMENDED AND RESTATED REIMBURSEMENT AGREEMENT

RenaissanceRe

THIS FOURTH AMENDMENT TO FIRST AMENDED AND RESTATED REIMBURSEMENT AGREEMENT,
dated as of November 22, 2005 (this "Amendment"), is made among RENAISSANCE
REINSURANCE LTD., a Bermuda company, RENAISSANCE REINSURANCE OF EUROPE, a
company incorporated in Ireland, GLENCOE INSURANCE LTD., a Bermuda company, and
DAVINCI REINSURANCE LTD., a Bermuda company (each of the foregoing, an "Account
Party"), RENAISSANCERE HOLDINGS LTD., a Bermuda company ("RenRe"), the banks and
financial institutions listed on the signature pages hereto or that become
parties hereto after the date hereof (collectively, the "Lenders"), and WACHOVIA
BANK, NATIONAL ASSOCIATION ("Wachovia"), as Issuing Bank, Administrative Agent
and Collateral Agent for the Lenders.

RECITALS

A.    The Account Parties, RenRe, the Lenders, Wachovia and certain
Co-Documentation Agents have entered into a First Amended and Restated
Reimbursement Agreement dated as of March 31, 2004, as amended by a First
Amendment dated as of November 18, 2004, a Second Amendment dated as of March
11, 2005 and a Third Amendment dated as of April 29, 2005 (such agreement as
amended, the "Reimbursement Agreement"). Capitalized terms not otherwise defined
herein shall have the meanings assigned to such terms in the Reimbursement
Agreement.

B.    The Account Parties have requested that the Reimbursement Agreement be
amended to increase the Total Commitment to $1,750,000,000.

C.    The Lenders and Wachovia have agreed to amend the Reimbursement Agreement
as requested by the Account Parties and to effect such agreement the parties
have entered into this Amendment.

STATEMENT OF AGREEMENT

NOW, THEREFORE, for good and valuable consideration, the receipt and sufficiency
of which are hereby acknowledged, the Account Parties, RenRe, the Lenders and
Wachovia (in its various capacities) hereby agree as follows:

ARTICLE I

AMENDMENT

1.1    Amendment to Section 1.1 (Definition of Total Commitment).    Section
1.01 of the Reimbursement Agreement is hereby amended by deleting the definition
of "Total Commitment" in its entirety and replacing it as follows:

"Total Commitment" means at any time the lesser of (a) $1,750,000,000 (or such
lesser amount as may be agreed in writing among RenRe, the Administrative Agent
and the Issuing Bank) and (b) the aggregate amount of the L/C Commitments then
in effect.

1.2    Amendment to Section 2.18 (Increase of Total Commitment).    Section 2.18
of the Reimbursement Agreement is hereby amended by deleting the Section in its
entirety and replacing it as follows:

Section 2.18 Intentionally Deleted.

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1.3    Amendment to Schedule 1 (L/C Commitments).    Schedule 1 of the
Reimbursement Agreement is hereby amended by deleting that Schedule in its
entirety and replacing it with the attached Schedule 1.

1.4    Amendment to Other Schedules.    Schedules 4.01(a) and 4.06(d) of the
Reimbursement Agreement are hereby amended by deleting those Schedules in their
entirety and replacing them with the attached Schedules 4.01(a) and 4.06(d).

ARTICLE II

REPRESENTATIONS AND WARRANTIES

To induce the Lenders and Wachovia to enter into this Amendment and to induce
the Lenders to extend the credit contemplated hereby, RenRe and each Account
Party individually and severally represents and warrants that:

2.1    Compliance with Reimbursement Agreement.    Each such party is in
compliance with all terms and provisions set forth in the Reimbursement
Agreement to be observed or performed by them. No Substitution Event, Suspension
Event, Default, or Event of Default has occurred and is continuing.

2.2    Representations in Reimbursement Agreement.    The representations and
warranties of each such party (with respect to itself and to RIHL) set forth in
the Reimbursement Agreement, except for those relating to a specific date other
than the date hereof, are true and correct in all material respects on and as of
the date hereof as if made on and as of the date hereof after giving effect to
the Amendment.

2.3    Other Credit Documents.    Each such party, to the extent it is a party
to any of the other Credit Documents, is in compliance with all terms and
provisions set forth therein to be observed or performed by it. Nothing herein
will affect the validity or enforceability of the other Credit Documents, and
all Obligations (including such Obligations as increased pursuant to this
Amendment) secured or guaranteed under such other Credit Documents shall remain
so secured or guaranteed.

ARTICLE III

GENERAL

3.1    Conditions Precedent.    This Amendment shall be effective as of the date
first written above upon receipt by the Administrative Agent of each of the
following, each dated as of the date hereof (unless otherwise specified), in
form and substance reasonably satisfactory to the Administrative Agent and in
sufficient copies for each Lender:

(a) Counterparts of this Amendment duly executed by each Account Party, RenRe,
Wachovia (in its various capacities) and each Lender.

(b) A certificate of each Credit Party and RUM, signed on behalf of such Credit
Party or RUM by its President, a Director, its Chief Financial Officer, or a
Vice President (or equivalent officer) certifying to the continuing full force
and effect, both immediately before and after the effectiveness of this
Amendment, of each of the following agreements (to the extent such entity is a
party thereto): the Pledge Agreement for each Account Party, the Control
Agreement for each Account Party, the RIHL Agreement, the RIHL Pledge Agreement,
the RIHL Control Agreement, and the RenRe Agreement.

(c) Certified copies of the resolutions of the Board of Directors of each Credit
Party approving the transactions contemplated by the Amendment.

(d) A copy of a certificate of the Registrar of Companies, Secretary of State or
other appropriate official of the jurisdiction of incorporation of each Credit
Party, dated reasonably near the date hereof, certifying as to the good standing
(or local equivalent) of such Credit Party to the extent such concept applies in
the jurisdiction of incorporation of a Credit Party.

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(e) A certificate of each Credit Party, signed on behalf of such Credit Party by
its President, a Director, its Chief Financial Officer, or a Vice President (or
equivalent officer) and its Secretary or any Assistant Secretary (the statements
made in which certificate shall be true on and as of the date hereof),
certifying as to (1) a true and correct copy of the constitutional documents of
such Credit Party as in effect on the date on which the resolutions referred to
in clause (c) above were adopted and on the date hereof (or certifying that such
constitutional documents as previously delivered remain in effect and
unchanged), (2) the due incorporation and good standing or valid existence of
such Credit Party as a company or corporation organized under the laws of the
jurisdiction of its organization, and the absence of any proceeding for the
dissolution or liquidation of such Credit Party, (3) the truth and correctness
in all material respects of the representations and warranties made by such
Credit Party in the Credit Documents as though made on and as of the date
hereof, and (4) the absence of any event occurring and continuing, or resulting
from the effectiveness of the Amendment, that constitutes a Substitution Event,
a Suspension Event, Default or Event of Default, provided that the Secretary or
Assistant Secretary need certify only as to the matters in items (1) and (2)
above.

(f) A certificate of the Secretary or an Assistant Secretary of each Credit
Party certifying the names, incumbency and true signatures of the officers of
such Credit Party authorized to sign this Amendment and the other documents to
be delivered hereunder (or certifying that the equivalent certificate delivered
previously remains true and accurate in all respects).

(g) A favorable opinion, each in form and substance reasonably satisfactory to
the Administrative Agent, of (1) Willkie Farr & Gallagher LLP, special New York
counsel for the Credit Parties, (2) Conyers Dill & Pearman, special Bermuda
counsel for the Credit Parties (other than RRE), and (3) A&L Goodbody, special
Irish counsel for RRE.

(h) Such other documents, certificates, opinions and instruments as the
Administrative Agent or any Lender may reasonably request.

3.2    Effect of Amendment.    From and after the effective date hereof, all
references to the Reimbursement Agreement set forth in any other Credit Document
or other agreement or instrument shall, unless otherwise specifically provided,
be references to the Reimbursement Agreement as amended or modified hereby and
as may be further amended, modified, restated or supplemented from time to time.
In addition, all terms defined in the Reimbursement Agreement which have been
modified pursuant to this Amendment shall have such modified meanings when used
in any other Credit Documents. This Amendment is limited as specified and shall
not constitute or be deemed to constitute an amendment, modification or waiver
of any provision of the Reimbursement Agreement except as expressly set forth
herein. Except as expressly amended hereby, the Reimbursement Agreement and the
other Credit Documents shall remain in full force and effect in accordance with
their terms.

3.3    Addition of New Lenders.    Each Lender party to this Amendment that was
not previously a party to the Reimbursement Agreement (a) represents and
warrants that (i) it has full power and authority, and has taken all action
necessary, to execute and deliver this Amendment and to become a Lender under
the Reimbursement Agreement, (ii) from and after the date hereof, it shall be
bound by the provisions of the Reimbursement Agreement as a Lender thereunder
and, to the extent of its L/C Commitment shown on Schedule 1 hereto, shall have
the obligations of a Lender thereunder, (iii) it has received a copy of the
Reimbursement Agreement, together with copies of the most recent financial
statements delivered pursuant thereto, and such other documents and information
as it has deemed appropriate to make its own credit analysis and decision to
enter into this Amendment and it has made such analysis and decision
independently and without reliance on the Administrative Agent or any other
Lender, and (iv) if it is a Foreign Lender, it has separately delivered to the
Administrative Agent and the Credit Parties any documentation required to be
delivered by it pursuant to the terms of the Reimbursement Agreement, duly
completed and executed by such new Lender; and (b) agrees that (i) it will,
independently and without reliance on the Administrative Agent or any other
Lender, and based on such documents and information as it shall deem appropriate
at the time, continue to make its own credit decisions in taking or not taking
action under

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the Credit Documents, and (ii) it will perform in accordance with their terms
all of the obligations that by the terms of the Credit Documents are required to
be performed by it as a Lender. Upon the effectiveness of this Amendment the
aggregate Letter of Credit Participating Interests shall be reallocated among
all of the Lenders Pro Rata based upon the L/C Commitments shown on Schedule 1,
it being intended that the new Lender's L/C Commitments and Letter of Credit
Participating Interests shall be pari passu with those of the other Lenders.

3.4    Applicable Law.    THIS AMENDMENT HAS BEEN EXECUTED, DELIVERED AND
ACCEPTED IN, AND SHALL BE DEEMED TO HAVE BEEN MADE IN, NEW YORK AND SHALL BE
GOVERNED BY AND CONSTRUED AND ENFORCED IN ACCORDANCE WITH THE LAWS OF THE STATE
OF NEW YORK (INCLUDING WITHOUT LIMITATION SECTION 5-1401 OF THE GENERAL
OBLIGATIONS LAW OF THE STATE OF NEW YORK, BUT OTHERWISE WITHOUT REGARD TO THE
CONFLICTS OF LAW PROVISIONS THEREOF).

3.5    Counterparts.    This Amendment may be executed in two or more
counterparts, each of which shall constitute an original, but all of which when
taken together shall constitute but one instrument.

3.6    Expenses.    The Account Parties and RenRe agree to pay all out-of-pocket
expenses incurred by the Administrative Agent in connection with the
preparation, execution and delivery of this Amendment, including, without
limitation, all reasonable attorneys' fees.

3.7    Headings.    The headings of this Amendment are for the purposes of
reference only and shall not affect the construction of this Amendment.

3.8    USA Patriot Act Notice.    Each Lender and the Administrative Agent (for
itself and not on behalf of any Lender) hereby notifies each Account Party and
RIFL that pursuant to the requirements of the USA Patriot Act (Title III of Pub.
L. 107-56 (signed into law October 26, 2001)) (the "Act"), it is required to
obtain, verify and record information that identifies such Account Party or
RIHL, which information includes the name and address of such Account Party or
RIHL and other information that will allow such Lender or the Administrative
Agent, as applicable, to identify such Account Party or RIHL in accordance with
the Act.

[Signatures begin on following page.]

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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed
by their respective officers thereunto duly authorized, as of the date first
above written.

[spacer.gif] RENAISSANCE REINSURANCE LTD.

[spacer.gif] By: /s/ John M. Lummis                                
Name: John M. Lummis
Title: Chief Financial Officer

[spacer.gif] RENAISSANCE REINSURANCE OF EUROPE

[spacer.gif] By: /s/ Michael Greene
Name: Michael Greene
Title: Director

[spacer.gif] GLENCOE INSURANCE LTD.

[spacer.gif] By: /s/ John M. Lummis                                
Name: John M. Lummis
Title: Chief Financial Officer

(SIGNATURES CONTINUED)

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] DAVINCI REINSURANCE LTD.

[spacer.gif] By: /s/ John M. Lummis                                
Name: John M. Lummis
Title: Director

[spacer.gif] RENAISSANCERE HOLDINGS LTD.

[spacer.gif] By: /s/ John M. Lummis                                
Name: John M. Lummis
Title: Chief Financial Officer

[spacer.gif] Address for each Credit Party:
Renaissance House
8-20 East Broadway
Pembroke HM 19 Bermuda
Telecopy: (441) 292-9453

(LENDER SIGNATURES ON FOLLOWING PAGES)

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] WACHOVIA BANK, NATIONAL ASSOCIATION, as Administrative Agent, as
Collateral Agent, as Issuing Bank and as a Lender

[spacer.gif] By: /s/ William R. Goley                                
Name: William R. Goley
Title: Director

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] NATIONAL AUSTRALIA BANK LIMITED, ABN 12-004-044-937, as
Co-Documentation Agent and as a Lender

[spacer.gif] By: /s/ Clinton M. Johnson
Name: Clinton M. Johnson
Title: Senior Vice President

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] ING BANK, N.V., LONDON BRANCH, as
Co-Documentation Agent and as a Lender

[spacer.gif] By: /s/ Nick Merchant
Name: Nick Merchant
Title: Director

[spacer.gif] By: /s/ Terence R. Bates
Name: Terence R. Bates
Title: Managing Director

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] BARCLAYS BANK PLC, as Co-Documentation Agent and as a Lender

[spacer.gif] By: /s/ Paul Johnson
Name: Paul Johnson
Title: Director

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] LLOYDS TSB BANK PLC, as Managing Agent and as a Lender

[spacer.gif] By: /s/ Jason Eperon
Name: Jason Eperon
Title: Assistant Vice President Financial

[spacer.gif] Institutions USA E-004

[spacer.gif] By: /s/ Candi Obrentz
Name: Candi Obrentz
Title: Assistant Vice President Financial

[spacer.gif] Institutions USA O-013

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] BANK OF AMERICA, N.A., as a Lender

[spacer.gif] By: /s/ Timothy Cassio
Name: Timothy Cassio
Title: Vice President

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] CITIBANK, N.A., as a Lender

[spacer.gif] By: /s/ Michael A. Taylor
Name: Michael A. Taylor
Title: Managing Director

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] BAYERISCHE HYPO-UND VEREINSBANK AG, as a Lender

[spacer.gif] By: /s/ Michael F. Dayle
Name: Michael F. Dayle
Title: Director

[spacer.gif] By: /s/ Stephen R. Lueker
Name: Stephen R. Lueker
Title: Director

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] KEYBANK NATIONAL ASSOCIATION, as a Lender

[spacer.gif] By: /s/ Mary K. Young
Name: Mary K. Young
Title: Vice President

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] UBS LOAN FINANCE LLC, as a Lender

[spacer.gif] By: /s/ Richard L. Tavron
Name: Richard L. Tavron
Title: Director

[spacer.gif] By: /s/ Christopher Aitkin
Name: Christopher Aitkin
Title: Associate Director

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] THE BANK OF NEW YORK, as a Lender

[spacer.gif] By: /s/ Richard G. Shaw
Name: Richard G. Shaw
Title: Vice President

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] DEUTSCHE BANK AG NEW YORK BRANCH, as a Lender

[spacer.gif] By: /s/ Ruth Leung
Name: Ruth Leung
Title: Director

[spacer.gif] By: /s/ Richard Herder
Name: Richard Herder
Title: Managing Director

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] HSBC BANK USA, NATIONAL ASSOCIATION, as a Lender

[spacer.gif] By: /s/ Lawrence Karp
Name: Lawrence Karp
Title: Senior Vice President

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] MELLON BANK, N.A., as a Lender

[spacer.gif] By: /s/ Jeffrey R. Dickson
Name: Jeffrey R. Dickson
Title: First Vice President

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] THE BANK OF NOVA SCOTIA, N.A.,
as a Lender

[spacer.gif] By: /s/ Todd Meller
Name: Todd Meller
Title: Managing Director

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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[spacer.gif] BNP PARIBAS, as a Lender

[spacer.gif] By: /s/ Joshua Landau
Name: Joshua Landau
Title: Vice President

[spacer.gif] By: /s/ Barry Chung
Name: Barry Chung
Title: Vice President

Renaissance Reinsurance Ltd., et al.
Fourth Amendment to A/R Reimbursement Agreement
November 22, 2005

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