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Auto Insurance Savings Opportunity for Illinois & Ohio Consumers

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San Francisco, CA — March 16, 2004

Esurance, a direct-to-consumer personal auto insurance company, recently announced rate decreases in its Illinois and Ohio auto insurance programs, yielding significant savings for drivers in both states.

Gary Tolman, Esurance president and CEO, stated, "One of our company's main goals is offering competitive rates to consumers. We're always happy when we're able to save on operating costs and pass those savings directly on to our customers."

Esurance also stressed the importance of being an active, informed consumer when buying auto insurance. Tolman explained, "Auto insurance is obviously not a fun thing to comparison shop for, unlike cars or vacations. However, consumers can sometimes save thousands of dollars if they consider new carriers and carefully evaluate their coverage options."

The company's website, www.esurance.com, helps consumers do just that. The site offers a host of auto insurance savings information and a comparison quotes feature. The site also features the company's own interactive planning tool, the Esurance Coverage Counselor®. The Coverage Counselor offers a personalized report of auto insurance recommendations. Tolman commented, "Through our website, we try to provide all the resources consumers need to comparison shop and get informed at their own pace."

Tolman continued, "Generally, consumers should consistently shop around for auto insurance, particularly when they see announcements about rate changes. Because auto insurance is such a competitive market, there's almost always a company that will be able to provide the coverage that's right for a specific individual at the right price. Often, the best coverage at the right price is not with a consumer's current carrier. Consumers will never know about potential savings unless they see what's out there for themselves. Fortunately, using the Internet, they can."

Esurance's Illinois and Ohio polices are underwritten by Esurance Insurance Company, rated A- (Excellent) by A. M. Best.

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.