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Esurance Helps Light the Way for Energy Conservation
in San Francisco

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San Francisco, CA — October 3, 2007

Esurance, the direct-to-consumer personal auto insurance company, announced its support of Lights Out San Francisco, an event urging individuals and businesses to turn off their lights for one hour to raise awareness about energy conservation and reduce carbon emissions. The event will take place on Saturday, October 20, from 8 p.m. to 9 p.m.

Modeled after similar events in Sydney and London, Lights Out San Francisco will be the first event of its kind in the United States. Lights will go out at a variety of structures, including the Golden Gate Bridge, as well as in Bay Area restaurants, government buildings, and homes. It is estimated that one hour of energy conservation in San Francisco could save as much as 10 percent of the energy consumed on a Saturday night.

"When Lights Out San Francisco approached Esurance about supporting this initiative, I was delighted. I happened to be in Sydney when that city turned its lights out for an hour, and was inspired by how everyone got together to accomplish something so positive, and so beautiful," commented Kristin Brewe, Director of Brand and Public Relations at Esurance. "Lights Out San Francisco has created an event where people can see the stars, enjoy the candlelight, and celebrate their communities all while helping improve our environment."

To help San Francisco residents commemorate the occasion, Esurance is providing a little illumination of the old-fashioned kind — beeswax candles. Esurance is distributing these at various events around San Francisco, and to those who visit
www.esurance.com/lightsoutsf.

About Esurance®

Esurance, a subsidiary of White Mountains Insurance Group, Ltd. (NYSE: WTM), provides personal auto insurance direct to consumers online and through select online agents. Because of Esurance's virtually paperless online customer experience, Esurance policyholders have saved thousands of trees since the company's inception. In 2006, Esurance has also planted over 20,000 trees through its support of urban reforestation programs.

Esurance is committed to safeguarding the environment, through its own operational practices, including a hybrid claims fleet and carbon offset programs for its office locations. Esurance also supports a variety of environmental organizations across the U.S. Esurance was an official U.S. sponsor of Live Earth, and is an ongoing partner of the SOS Campaign. For more information about Esurance's environmental initiatives, visit: www.esurance.com/environment.