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Auto Insurance Savings for Missouri Consumers

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San Francisco, CA — May 13, 2004

Esurance, a direct-to-consumer personal auto insurance company, announced that it has recently decreased rates and added discounts to its Missouri auto insurance program. All Missouri drivers can benefit from the rate decrease, while customers who own their own home or pay their auto insurance premium in full will benefit from additional savings with the new discounts.

Gary Tolman, Esurance president and CEO, stated, "Esurance is dedicated to helping customers save time and money on auto insurance. With recent changes to our auto program, some customers could save up to 25 percent on their auto insurance premium."

Tolman continued, "Whenever any insurance company changes rates in a given state, it's a great time for drivers to shop around for the best coverage at the lowest price. With fast quotes and instant rate comparisons available on our website at www.esurance.com, we make it very easy for people to shop for auto insurance."

In addition to rate comparisons, Esurance provides additional resources to help consumers get informed about the all-too-often complicated topic of auto insurance. Esurance's interactive planning tool, the Coverage Counselor®, is consistently lauded in usability awards. Shoppers who would like a personalized report of auto insurance recommendations should try the Esurance Coverage Counselor. Tolman explained, "Through our website, we try to provide all the resources consumers need to comparison shop and get informed at their own pace."

Missouri 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.