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Esurance Signs Multi-Year Agreement with ProcessClaims

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San Francisco, CA — July 1, 2004

Esurance, the direct-to-consumer personal auto insurance company, has selected ProcessClaims to provide a customized software management platform to support Esurance's expanding claims organization. Esurance believes that ProcessClaims' ClaimsPort material damage management system will increase claims-handling efficiency, decrease cycle time costs, and scale with Esurance's rapid growth.

ProcessClaims' ClaimsPort automates claims processing by configuring solutions to suit insurers' specific business requirements. Automation focuses on areas of material damage to reduce loss adjustment expenses, increase efficiency, and improve customer satisfaction. ProcessClaims' open platform provides seamless connectivity to all partners involved in the claims process.

Esurance is perfectly suited to take advantage of ProcessClaims' Web-based platform since its operations are not dependent on legacy systems. Gary Tolman, Esurance President and CEO, explained, "Our ability to rapidly innovate represents one of our distinct competitive advantages. Esurance always strives to leverage the best that's out there in terms of technology to continually improve our operations and, ultimately, better serve our customers. This is particularly important when it comes to claims. ProcessClaims provides us the infrastructure we need to manage a vital part our business effectively."

"Naturally, we're extremely gratified that we were selected by Esurance after their extensive review of the marketplace," stated Paul Farber, CEO of ProcessClaims. "Considering Esurance's rapid growth, the company needs a technology provider that can quickly adapt to their business needs. This has proven to be one of ProcessClaims' core strengths," said Farber.

Malik Sievers of Esurance agreed. Sievers, a Director of Insurance Operations at Esurance, gave an overview of the company's experience, stating, "We performed an extensive review of the market, and even piloted different solutions in parallel. We found that ProcessClaims clearly demonstrated the highest value."

About Esurance®

Esurance Insurance Services, Inc., a subsidiary of White Mountains Insurance Group, Ltd. (NYSE: WTM), provides personal auto insurance direct to consumers online. Esurance is dedicated to constantly improving the way people shop for, buy, and manage their auto insurance. By combining the best of technology with industry know-how, Esurance is able to offer hassle-free auto insurance coverage with 24/7 customer service and claims handling at competitive prices.

Through Esurance's website, www.esurance.com, customers can get instant quotes, view comparison quotes, buy an Esurance policy, and print their proof of insurance card — all in minutes. Esurance also offers policyholders the ability to make policy changes and file claims instantly online, demonstrating its commitment to improving the entire insurance process from quote to claim.