Colorado Consumers Benefit from Changes to Auto Insurance Regulations

SAN FRANCISCO, CA — July 9, 2003 — In response to Colorado’s changes to its no-fault insurance system, which required drivers to purchase personal injury protection (PIP) coverage, Esurance has removed PIP coverage from its auto program for new policies sold in Colorado. Because of the regulatory change, Esurance estimates that its customers could save $250 a year on average.

Chris Henn, Esurance’s Senior Vice President of Insurance Operations, states, “Colorado’s change from no-fault is clearly positive for consumers because it decreases individual premiums. It also helps companies better control rising costs often associated with no-fault coverage systems, resulting in lower insurance rates for consumers across the board.” Henn continues, “Esurance is pleased whenever we can offer our customers more opportunities to save on auto insurance, particularly when it’s as much as $250.”

Under Esurance’s new auto program, policyholders will still be eligible for benefits similar to PIP. Esurance’s current policyholders with renewal dates after July 1, 2003, will also benefit from the potential savings at renewal or they can choose to keep the coverage.

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 auto insurance 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 Esurance’s commitment to improving the entire auto insurance process from quote to claim.