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San Francisco Auto Insurance Company Supports Community

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San Francisco, CA — May 16, 2005

Esurance, a direct-to-consumer personal auto insurance company, will sponsor a benefit held by Urban Services YMCA of San Francisco. The silent auction and wine tasting event will take place on May 20, from 7 p.m. to 10 p.m. at the Simmons Gallery near Union Square. All proceeds will benefit Urban Services YMCA's Mentoring, Tutoring, and Truancy Intervention Programs. For more information or to purchase tickets to the event, please visit Urban Services YMCA.

John Swigart, Esurance managing director and CMO, explained, "Esurance has been really fortunate to have achieved success in so short a time. This would have been impossible without the support of our Bay Area community. We're delighted to be able to support an organization like Urban Services YMCA."

Regarding Esurance's support of Bay Area youth and families, Urban Services YMCA's founder, executive director, and vice president of the YMCA of San Francisco Association stated, "As we celebrate our tenth year of operation, Urban Services relies more than ever on partnerships with companies in our community. These partnerships ensure that every young person in the City has the tools he or she needs to be successful academically, socially, and physically. Esurance's sponsorship of this event means that more Mission District youth this year will develop meaningful relationships with adult mentors, that more summer literacy programs in Bayview-Hunter's Point will flourish, and that youth throughout the City will have safe and supportive places to go during high-risk after-school hours. We are thankful for Esurance's support."

Swigart concluded, "As a company headquartered in San Francisco, Esurance has benefited from the Bay Area's world-class talent and positive, visionary climate. What better way to give back than to encourage the talents and potential of San Francisco's youth?"

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.

About YMCA Urban Services of San Francisco

Urban Services YMCA, the social service branch of the YMCA of San Francisco, provides life-changing programs to build healthy families, successful communities, and educational excellence throughout the Bay Area. The organization works to develop programs for communities in dire need of support and opportunities. In just 10 years since its inception, Urban Services YMCA has grown to provide comprehensive wrap-around services including mentoring, truancy intervention, case management, gang intervention programming, psychotherapy services, a Family Resource Center, 2 Community Beacon Centers, a Family Resource Center in the city, and 10 SFUSD after-school enrichment sites.