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New Auto Insurance Alternative for New Jersey Consumers

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San Francisco, CA — April 7, 2005

Esurance, a direct-to-consumer personal auto insurance company, announced the recent launch of its auto insurance program in New Jersey. Gary Tolman, Esurance President and CEO, stated, "We are thrilled that Esurance's convenient, affordable auto insurance product is now available to New Jersey consumers. Over the past 2 years, the New Jersey Department of Banking and Insurance has done an outstanding job of transforming the state's insurance system into a competitive marketplace. With Esurance's instant online quotes and policy issuance, consumers will discover the advantages of auto insurance that's as easy as 'Quote. Buy. Print.'"

Tolman was not alone in his enthusiasm for Esurance's New Jersey launch. Jack Byrne, retired chairman of Esurance's parent company and a director of Esurance for several years, is no stranger to the New Jersey marketplace. Byrne commented, "After 25 years of tension with the insurance system in New Jersey, recent changes in the New Jersey insurance marketplace create fine opportunities for enhanced competition, benefiting both companies and consumers alike. With its affordable rates, round-the-clock customer service, and online convenience, Esurance represents a great alternative for New Jersey drivers."

Now, with another auto insurance company to choose from, Tolman reminded New Jersey drivers to use the opportunity to shop around for auto insurance. "Consumers should shop their auto insurance at least once a year, but when there's a new entrant in the auto insurance market, they should definitely get new auto insurance quotes." To make auto insurance shopping easier for consumers, Esurance offers the fastest quotes online, along with instant quote comparisons.

Once at Esurance's award-winning website, www.esurance.com, New Jersey drivers will find that they may be eligible for a variety of discounts. In particular, customers paying in full, insuring more than one car, or those who own their own home may discover significant savings. Tolman stated, "With our competitive rates and numerous discounts, many Esurance policyholders in other states are pleasantly surprised to find out how much they can save with us. They're also impressed with how quickly they can purchase their policies online and with the quality of our 24/7 customer service and claims handling. New Jersey drivers can now join the thousands of drivers who switch to Esurance every week."

Drivers interested in getting auto insurance quotes for Esurance's New Jersey program should visit the company's website, www.esurance.com, or call the company's 24/7 service center.

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.