Esurance Auto Insurance Joins Ford Motor Company Vehicle Insurance Program

SAN FRANCISCO, CA — September 2002 — Esurance Inc., a leading online insurance provider, has teamed with the Ford Motor Company Vehicle Insurance Program to provide personal auto insurance to Ford, Lincoln, and Mercury customers.

The Ford Motor Company Vehicle Insurance program is a service that will save consumers valuable time and could produce significant savings by providing multiple insurance quotes from a number of carefully selected insurance companies. Based on answers to a brief series of questions, the program offers Ford customers quotes from multiple insurance carriers, providing the multi-channel insurance solution today’s insurance marketplace demands. InsLogic Corporation, a technology provider and licensed independent insurance agency, is providing the innovative technology and operations that enable this real-time comparison-shopping experience.

Through the use of direct mail and other integrated marketing efforts, Ford will encourage its customers to contact the program’s call center toll-free at 1-877-FordVIP (1-877-367-3847) and through its Web site, www.fordvip.com.

With the addition of Esurance to the Ford Motor Company Vehicle Insurance Program, Ford’s customers will benefit from the competitive prices, online convenience for policy information and servicing and reliable coverage offered by Esurance. Because of Esurance’s document generation process Esurance policyholders will have the opportunity to instantly access their proof of insurance cards after purchasing a policy.

Once Ford customers become Esurance policyholders, Esurance’s paperless platform offers Ford customers the convenience of electronic document storage, along with the ease of online policy changes and claims filing. Esurance policyholders will also benefit from Esurance’s customer service, available toll-free 24 hours day, 7 days a week, 365 days a year.

“Esurance has built an online platform that leverages technology to improve the efficiency of the insurance buying and underwriting processes. Because we have been able to reduce traditional operating costs, we can pass this savings on to our customers, explains Gary Tolman, President and CEO of Esurance. Further, Esurance’s streamlining of traditional insurance processes means that our customers also save time when they buy insurance from us. Our product is a perfect fit for anyone’s customer base, particularly one as broad and diverse as Ford’s.”

Tom Ferries, Ford Motor Credit’s Program Director, states, “The combination of Esurance’s competitive product and online expertise matched with a seasoned, successful sales channel from American Road Services and Inslogic Corporation means Ford’s customers will continue to receive the top notch product & service standards they’ve come to expect from Ford.”

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.