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New York Drivers Gain Additional Auto Insurance Options

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San Francisco, CA — January 20, 2004

New York drivers now have another option to consider when shopping for auto insurance. Esurance, a direct-to-consumer personal auto insurance company, recently announced the launch of its new auto insurance program in New York.

New York's auto insurance market is sizable, estimated at around $10 billion. Gary Tolman, Esurance president and CEO, explained, "Though many might assume that such a large market encourages competition that benefits consumers, New York drivers often pay excessively high auto insurance premiums. We're delighted that we're able to offer New York drivers a competitively priced, convenient coverage option."

Esurance will help many New York drivers save on auto insurance through the new program's highly targeted pricing model. Under the new program, Esurance customers will pay a rate that more closely matches their individual profiles, versus the more generic rate tiers favored by other insurance companies.

Tolman continued, "Our competitive rates will help many drivers save money on auto insurance. The online convenience of our award-winning website will help many drivers save time. As a company, we definitely understand that most people don't want to spend more time or money on auto insurance than they need to. That's why we're excited to offer the benefits of our new auto product to New York drivers."

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.