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Auto Insurance Savings for Pennsylvania Drivers

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San Francisco, CA — November 11, 2004

Esurance, a direct-to-consumer personal auto insurance company, has reduced auto insurance rates in Pennsylvania. Pennsylvania motorists can get a quote at www.esurance.com to see how much they could save with Esurance's new, lower rates.

Gary Tolman, Esurance president and CEO, stated, "We're always trying to make sure that our customers save as much as possible with Esurance. With our recent rate decrease in Pennsylvania, some customers could save an additional 5 percent on their auto insurance premium."

Tolman continued, "I always tell people that, whenever any insurance company changes rates in a given state, all drivers should shop around for the best coverage at the lowest price. Since it takes only minutes to get a quote and compare quotes online at www.esurance.com, it's very easy for people to see their savings right away — whether that's with us or with another carrier."

In addition to instant rate comparisons, Esurance also offers resources that help consumers select the coverage they need, notably the company's interactive planning tool, the Coverage Counselor®. Shoppers who would like a personalized report of auto insurance recommendations should visit the the Coverage Counselor.

Tolman explained, "With a fairly complicated product like auto insurance, being informed is often one of the best ways to save. With our award-winning website and our knowledgeable insurance advisors, we try to provide all the help anyone needs to save on auto insurance."

Pennsylvania 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.