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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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MIC-Info: RSA-MD5,RSA,
 Bsbd3AOf5cmITRRQdW1405KHHU3a9+cUWSKC4KPttUW+EY5iOmH8X2rxSxJtc6+a
 eLn+3Knvb+sZXU3d51QMJQ==

<SEC-DOCUMENT>0001193805-05-000769.txt : 20050405
<SEC-HEADER>0001193805-05-000769.hdr.sgml : 20050405
<ACCEPTANCE-DATETIME>20050405174302
ACCESSION NUMBER:		0001193805-05-000769
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20050328
FILED AS OF DATE:		20050405
DATE AS OF CHANGE:		20050405

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NAVIGATORS GROUP INC
		CENTRAL INDEX KEY:			0000793547
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				133138397
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		ONE PENN PLAZA
		STREET 2:		55TH FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119
		BUSINESS PHONE:		2122442333

	MAIL ADDRESS:	
		STREET 1:		ONE PENN PLAZA 55TH FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Terence N. Deeks 2005 Qualified Three Year Annuity Trust
		CENTRAL INDEX KEY:			0001322657

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15886
		FILM NUMBER:		05735271

	BUSINESS ADDRESS:	
		STREET 1:		C/O THE NAVIGATORS GROUP, INC.
		STREET 2:		ONE PENN PLAZA
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119
		BUSINESS PHONE:		(212) 244-2333

	MAIL ADDRESS:	
		STREET 1:		C/O THE NAVIGATORS GROUP, INC.
		STREET 2:		ONE PENN PLAZA
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>e500388_ex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2005-03-28</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000793547</issuerCik>
        <issuerName>NAVIGATORS GROUP INC</issuerName>
        <issuerTradingSymbol>NAVG</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001322657</rptOwnerCik>
            <rptOwnerName>Terence N. Deeks 2005 Qualified Three Year Annuity Trust</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O THE NAVIGATORS GROUP, INC.</rptOwnerStreet1>
            <rptOwnerStreet2>ONE PENN PLAZA</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10119</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock, par value $.10 per share</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1802036</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>/s/ Monica J. Deeks, as Trustee</signatureName>
        <signatureDate>2005-03-28</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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