X0202 4 2006-11-22 0 0001272957 BRISTOL WEST HOLDINGS INC BRW 0001251677 MEEHAN JAMES N 425 SOUTH BELMONT ARLINGTON HEIGHTS IL 60005 1 0 0 0 Phantom Stock Units 2006-11-22 4 A 0 6.56 15.11 A Common Stock 6.56 1245.57 D Phantom Stock units convert to common stock on a one-for-one basis. The transaction date is the date on which the Phantom Stock units were priced under the Bristol West Holdings, Inc. Non-Employee Directors' Deferred Compensation and Stock Award Plan and were credited to the reporting person's account within the Plan. These Phantom Stock units are from the reinvestment of dividends earned on the Phantom Stock units awarded pursuant to the Plan. These Phantom Stock units become payable per the election of the reporting person or upon the reporting person's termination of service as director, subject to certain provisions and conditions as set forth in the Bristol West Holdings, Inc. Non-Employee Directors' Deferred Compensation and Stock Award Plan. /s/ Richard W. Probert, by Power of Attorney for Reporting Person 2006-11-27