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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934


Date of Report (Date of Earliest Event Reported):		November 10, 2004

Affirmative Insurance Holdings, Inc.

(Exact name of registrant as specified in its charter)


Delaware	000-50795	75-2770432

(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)


4450 Sojourn Drive, Suite 500, Addison, TX		75001

(Address of principal executive offices)		(Zip Code)


Registrant’s telephone number, including area code		972-728-6300

Not Applicable

Former name or former address, if changed since last report

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS


	Item 7.01. Regulation FD Disclosure.
	Item 9.01 Financial Statements and Exhibits
SIGNATURES
Exhibit Index
Presentation to Analysts

Item 7.01. Regulation FD Disclosure.

On November 10, 2004, representatives of Affirmative Insurance Holdings, Inc. began making presentations to analysts regarding certain information about Affirmative. A copy of the presentation is filed as Exhibit 99.1 to this Current Report on Form 8-K.

The information furnished in this report, including the exhibit, shall not be deemed to be incorporated by reference into any of Affirmative’s filings with the SEC under the Securities Act of 1933, except as shall be expressly set forth by specific reference in any such filing, and shall not be deemed to be “filed” with the SEC under the Securities Exchange Act of 1934.

Item 9.01 Financial Statements and Exhibits

Exhibit 99.1 — Presentation to analysts

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


	Affirmative Insurance Holdings, Inc. (Registrant)

November 10, 2004	By:	Timothy A. Bienek

		Name: Timothy A. Bienek Title: Executive Vice President and Chief Financial Officer

Exhibit Index


Exhibit No.		Description
EX-99.1		Presentation to analysts

Table of Contents

Table of Contents