Terms & Conditions

Introduction

These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

This website uses cookies. By using this website and agreeing to these terms and conditions, you consent to our Trust Re’s use of cookies in accordance with the terms of Trust Re’s privacy policy.

License to use website

Unless otherwise stated, Trust Re and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages, images or audio/video recordings from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website; or
  • re-distribute material from this website except for content specifically and expressly made available for redistribution.

Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Trust Re’s express written consent.

You must not use this website to transmit or send unsolicited commercial communications.

You must not use this website for any purposes related to marketing without Trust Re’s express written consent.

Restricted access

Trust Re reserves the right to restrict access to [other] areas of this website, or indeed this entire website, at Trust Re’s discretion.

If Trust Re provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.

Trust Re may disable your user ID and password in Trust Re’s sole discretion without notice or explanation.

User content

In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.

You grant to Trust Re a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Trust Re the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Trust Re or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

Trust Re reserves the right to edit or remove any material submitted to this website, or stored on Trust Re’s servers, or hosted or published upon this website.

No warranties

This website is provided “as is” without any representations or warranties, expressed or implied. Trust Re makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Trust Re does not warrant that:

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any matter you should consult an appropriate professional.

Limitations of liability

Trust Re will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of or use of this website:

  • to the extent that the website is provided free-of-charge, for any direct loss;
  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Trust Re has been expressly advised of the potential loss.

Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Trust Re’s liability in respect of any:

  • death or personal injury caused by Trust Re’s negligence;
  • fraud or fraudulent misrepresentation on the part of Trust Re; or
  • matter which it would be illegal or unlawful for Trust Re to exclude or limit, or to attempt or purport to exclude or limit, its liability.

Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

Indemnity

You hereby indemnify Trust Re and undertake to keep Trust Re indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Trust Re to a third party in settlement of a claim or dispute on the advice of Trust Re’s legal advisers) incurred or suffered by Trust Re arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.

Breaches of these terms and conditions

Without prejudice to Trust Re’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Trust Re may take such action as Trust Re deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

Variation

Trust Re may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.

Assignment

Trust Re may transfer, sub-contract or otherwise deal with Trust Re’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

These terms and conditions, together with the Privacy Policy, constitute the entire agreement between you and Trust Re in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.

Law and jurisdiction

These terms and conditions will be governed by and construed in accordance with the Kingdom of Bahrain, and any disputes relating to these terms and conditions will be subject to the exclusive jurisdiction of the courts of the Kingdom of Bahrain.

Trust Re’s details

The full name of Trust Re is Trust International Insurance and Reinsurance Company B.S.C. (c).
Trust Re is registered in the Kingdom of Bahrain under registration number 11503.
Trust Re’s address is Trust Tower, Building 125, Road 1702, Diplomatic Area 317, P. O. Box 10002, Manama – Kingdom of Bahrain.
You can contact Trust Re using the email mail@trustre.com

Last edited on 2025-09-05

Yassir Albaharna

Group Chief Executive Officer
With a renowned international profile and an extensive marketing network, Yassir brings over 36 years of in-depth experience in the reinsurance industry. He previously served as CEO of one of the leading reinsurance organizations in the Arab world and has held the position of Vice Chairman at Trust Re since 2019. Since January 2024, he has also been appointed as an Engagement Board Member (International) at the Chartered Insurance Institute (CII) for a term of three years.

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Kamal Tabaja

Chief Operating Officer
Kamal studied the Executive Management Program at the prestigious INSEAD Business School and is a Fellow of the Chartered Insurance Institute (FCII), UK. He began his career as a Systems Engineer and has since accumulated over two decades of experience in the insurance and reinsurance industry. Kamal has been with Trust Re since 2002, where he has held various underwriting roles and led the development of multiple business segments.

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Mohsin Altaf

Chief Finance Officer
Mohsin, a qualified Chartered Accountant, joined Trust Re in 2018, bringing extensive experience in financial management within the insurance industry and a solid understanding of related regulations. Prior to joining Trust Re, he was part of the management teams at several internationally renowned insurance and reinsurance organizations, including ACR and AXA. In these roles, his responsibilities spanned capital management, corporate restructuring, financial reporting, planning and analysis, as well as treasury functions.

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Nabil Hajjar

Member of the Executive Team MD FAIR Oil & Energy Insurance Syndicate
During his 40-year career, Nabil has held senior positions in several reputable insurance & reinsurance companies across the UAE, USA, Cyprus, and Bahrain. He has attended various specialized courses, including on-the-job training in London, Munich, Berlin, and Zurich with international firms like Munich Re, Allianz, and Swiss Re.

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Abdallah Noureddine

Head of IT
Abdallah has more than 20 years of experience in information and communication technology. He has managed diverse multidisciplinary ICT projects and programmes and holds an M.Sc. from a leading American university.

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Ashraf Ibrahim

Head of Legal
Ashraf has worked as a lawyer, legal Consultant, Corporate Board Secretary and Arbitrator for several companies specialised in the fields of commercial trading and real estate since 1993. His experience in the laws of various Middle Eastern countries including the GCC spans more than 26 years. Since 2011, he has been working with Trust Re as Head of Legal Department

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Hussain Al Salman

Head of Investment
With Trust Re since 2011, Hussain has over 15 years of experience in Investments and Portfolio Management. Before joining Trust Re, Hussain held various positions in different financial institutions, including Arab Insurance Group.

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Muhamad Nizam Shaidon

Compliance Officer & MLRO
With Trust Re since May 2015, Nizam is a Certified Anti-Money Laundering Specialist (CAMS) and Certified Global Sanctions Specialist (CGSS). He has more than 15 years’ experience in the Financial Services Industry, primarily in Regulatory and Financial Crime Compliance.

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Faisal Alawi

Head of Claims
Faisal has been part of the Trust Re team since 2008, accumulating over 15 years of expertise in managing Facultative and Treaty claims across diverse lines of business. Holding a degree in Mathematics from the University of Bahrain, he further fortified his skill set with a certificate in Accounting Technicians (QCF) and an Insurance Advanced Diploma from BIBF. Faisal has also undertaken various specialized courses, enhancing his proficiency in the intricate landscape of the industry.

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Wasif Abrar

Head of Finance
Wasif, a qualified Chartered Accountant with over 18 years of experience, oversees the finance function at Trust Re, managing accounting, financial reporting, regulatory compliance, and taxation. He joined the company in 2016 and serves on the Board of Trust Insurance Management, a wholly owned subsidiary of Trust Re, specializing in MGA services.

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Hemant Nambiar

Head of Technical Accounts & Credit Control
Hemant has been in the re/insurance industry for the past 30 years. Before joining Trust Re 18 years ago, he worked with an insurance company and leading reinsurance broker in India. He holds the ACII (UK) qualification and is a Fellow of the Insurance Institute of India.

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Adeel Ul Haq

Head of Financial Planning & Analysis
Adeel is a financial services professional with 15 years of expertise in banking and reinsurance, focusing on risk management and finance. Adeel is a FCCA, CFA Charterholder, and Holds a Master’s degree from the University of London. Adeel has been part of Trust Re since 2016, showcasing his commitment to excellence and specialized knowledge.

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Samir El Mouaffek

Head of Treaty & Retrocession
Samir’s areas of expertise comprise treaty underwriting (all classes of business), business development, accounts handling, O/S losses and commutations, pro-rata and XL treaties pricing.
Previously, Samir was Regional Director & Senior Underwriter-Treaty at Trust Re, in charge of marketing and underwriting Treaty reinsurance business from Africa and Levant Regions.

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Ahmed Al Mahmeed

Head of Operations
Ahmed is Head of Operations at FAIR Oil & Energy Insurance Syndicate, an independent entity managed by Trust Re. As an Associate of the Chartered Insurance Institute (ACII), Ahmed brings a wealth of knowledge and expertise to his role, demonstrating a commitment to maintaining high professional standards. Ahmed holds a Bachelor of Science in Engineering, providing him with a unique blend of technical and managerial skills. His journey in the reinsurance sector began in 2010 when he joined.

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Mohamed Salman

Head Of Facultative Underwriting
Leading the Facultative lines of business at Trust Re is Mohamed, an Associate of the Chartered Insurance Institute. Armed with a Masters in Business Administration with a specialization in Finance, Mohamed boasts over 20 years of invaluable experience in the dynamic field of insurance/ reinsurance.

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Ali Mohsen

Head of Personal Lines
With Trust Re since 2017, Ali has over 15 years of experience in establishing and managing operations related to Affinity products and extended warranties. His professional background extends to academia – he was Senior Lecturer at BIBF’s Center of Insurance for a period of 8 years.

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Philippos Mannaris

Chairman (Independent Non-Executive Director)
Philippos is a First-Class Honours graduate in Actuarial Studies from the London School of Economics and Political Science. He is a qualified actuary and a member of the Association of Actuaries of Cyprus and the UK. Since 2003, he has been with Aon Hewitt and is currently Partner of Aon’s Global Retirement & Investments Practice. His experience working with GCC clients spans almost 20 years.

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Prof. Chris Parsons

Vice Chairman (Independent Non-Executive Director)
A full Professor in Insurance at Cass Business School, City University of London, Chris Parsons has engaged continuously with the insurance industry for more than 40 years as a practitioner, researcher, consultant and writer. He has delivered consultancy services and training courses in the UK and around 30 other countries.

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Khadijah Binti Abdullah

Independent Non-Executive Director
Currently Director of the Financial Education Network at Bank Negara Malaysia, Khadijah has a strong track record in leadership, transforming teams and organisational culture. Her experience in Education and Training is vast. Previous appointments include CEO of the Performance and Delivery Unit (PADU) at the Ministry of Education in Malaysia and CEO of the Malaysian Insurance Institute (MII).

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Lakhdar Moussi

Independent Non-Executive Director
Lakhdar’s career spans 45 years in executive management positions in various sectors including Audit, Banking, Manufacturing, Contracting and Insurance in Canada, Europe and the GCC. In his capacity as consultant and executive manager, he has spent more than 25 years involved in strategy and business development initiatives in the insurance industry.

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