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Esurance Launches in Tennessee

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San Francisco, CA — May 20, 2005

Esurance, a direct-to-consumer personal auto insurance company, announced the launch of its auto insurance program in Tennessee. Gary Tolman, Esurance President and CEO, stated, "We are very excited to provide Tennessee drivers with a new opportunity to save time and money on auto insurance."

Having another auto insurance company to choose from benefits Tennessee drivers. Tolman added, "Tennessee represents a $2.5 billion auto insurance market – good for Esurance or for any auto insurance company. We think we'll do very well in the state, particularly in the Memphis and Nashville areas. However, any Tennessee driver will appreciate our 24/7 convenience and competitive rates."

In addition to competitive base rates, Tennessee drivers may benefit from Esurance's wide array of discounts. The company offers discounts for drivers insuring more than one car and for good students. The company also offers discounts for drivers who own their own homes and/or pay their auto insurance premium in full.

Tolman reminded Tennessee drivers to shop around for auto insurance. "Many drivers don't realize that they should shop their auto insurance at least once a year. Whenever there's new activity in the auto insurance market, drivers should definitely get new auto insurance quotes to ensure that they're getting the best rate and discounts available."

To make auto insurance shopping easier for consumers, Esurance offers the fastest quotes online. Buying an Esurance policy is just as easy, and a driver's proof of insurance is available instantly upon purchase. Tennessee drivers interested in getting auto insurance quotes from Esurance should visit the company's award-winning 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.