Agreement to terminate and commute the Quota Share Reinsurance Contract

Reinsurance Agreement

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This Reinsurance Agreement involves

BRISTOL WEST HOLDINGS INC | National Union Fire Insurance Company | Coast National Insurance Company | Security National Insurance Company | Bristol West Insurance Company | Bristol West Casualty Insurance Company

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Title: Agreement to terminate and commute the Quota Share Reinsurance Contract
Date: 11/14/2005

Agreement to terminate and commute the Quota Share Reinsurance Contract, Parties: bristol west holdings inc , national union fire insurance company , coast national insurance company , security national insurance company , bristol west insurance company , bristol west casualty insurance company

Exhibit 10.1

October 31, 2005

Mr. Robert Coords

Executive Vice President

AIG Re

70 Pine Street, 40 ^th Floor

New York, NY 10270

Re:

Agreement to terminate and commute the Quota Share Reinsurance Contract by and among National Union Fire Insurance Company of Pittsburgh, PA and Coast National Insurance Company, Security National Insurance Company, Bristol West Insurance Company and Bristol West Casualty Insurance Company

Dear Bob:

Reference is made to the Quota Share Reinsurance Contract effective as of January 1, 2005, by and among National Union Fire Insurance Company of Pittsburgh, PA (hereinafter referred to as the “Subscribing Reinsurer”) and Coast National Insurance Company, Security National Insurance Company, Bristol West Insurance Company and Bristol West Casualty Insurance Company (hereinafter together referred to as the “Subscribing Company”) as amended to the date hereof

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