Auto Insurance Savings Opportunity for Washington Consumers

SAN FRANCISCO, CA — October 1, 2004 — Esurance, a direct-to-consumer personal auto insurance company, announced that it has recently decreased rates in its Washington auto program. Washington drivers can benefit from the recent rate decrease, along with Esurance’s discounts for customers who own their own home or pay their auto insurance premium in full.

Gary Tolman, Esurance President and CEO, stated, “Whenever we see that we can lower rates for our customers, we do it. With our recent rate decrease for Washington drivers, some customers could save up to 10% on their auto insurance premium.”

Tolman continued, “Consumers should remember that, whenever any insurance company changes rates in a given state, it’s a great time for drivers to shop around for the best coverage at the lowest price. With fast quotes and instant rate comparisons available on our Web site at www.esurance.com, we make it very easy for people to shop for auto insurance.”

In addition to rate comparisons, Esurance provides other resources to help consumers get informed about the frequently complicated topic of auto insurance. Esurance’s interactive planning tool, the Coverage Counselor, is consistently lauded in usability awards. Shoppers who would like a personalized report of auto insurance recommendations should visit: http://www.esurance.com/coveragecounselor.asp.

Tolman explained, “Through our Web site and our knowledgeable insurance advisors, we try to provide all the resources consumers need to comparison shop and get informed at their own pace. Knowing more about auto insurance definitely helps consumers save on their auto insurance premium.”

Washington polices are underwritten by Esurance Insurance Company, rated A (Excellent) by A. M. Best.

About Esurance Inc.

Esurance 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 Web site, 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.