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  New Auto Insurance Alternative for New Jersey Consumers

                    Esurance Launched in the Garden State

    SAN FRANCISCO, April 7 /PRNewswire/ -- Esurance, a direct-to-consumer
personal auto insurance company, announced the recent launch of its auto
insurance program in New Jersey. Gary Tolman, Esurance President & CEO,
stated, "We are thrilled that Esurance's convenient, affordable auto insurance
product is now available to New Jersey consumers. Over the past two years, the
New Jersey Department of Banking and Insurance has done an outstanding job of
transforming the state's insurance system into a competitive marketplace. With
Esurance's instant online quotes and policy issuance, consumers will discover
the advantages of auto insurance that's as easy as 'Quote. Buy. Print.'"
    Tolman was not alone in his enthusiasm for Esurance's New Jersey launch.
Jack Byrne, retired chairman of Esurance's parent company and a director of
Esurance for several years, is no stranger to the New Jersey marketplace.
Byrne commented, "After twenty five years of tension with the insurance system
in New Jersey, recent changes in the New Jersey insurance marketplace create
fine opportunities for enhanced competition, benefiting both companies and
consumers alike. With its affordable rates, round-the-clock customer service,
and online convenience, Esurance represents a great alternative for New Jersey
drivers."
    Now, with another auto insurance company to choose from, Tolman reminded
New Jersey drivers to use the opportunity to shop around for auto insurance.
"Consumers should shop their auto insurance at least once a year, but when
there's a new entrant in the auto insurance market, they should definitely get
new auto insurance quotes." To make auto insurance shopping easier for
consumers, Esurance offers the fastest quotes online, along with instant quote
comparisons.
    Once at Esurance's award-winning Web site, http://www.esurance.com, New Jersey
drivers will find that they may be eligible for a variety of discounts. In
particular, customers paying in full, insuring more than one car, or those who
own their own home may discover significant savings. Tolman stated, "With our
competitive rates and numerous discounts, many Esurance policyholders in other
states are pleasantly surprised to find out how much they can save with us.
They're also impressed with how quickly they can purchase their policies
online and with the quality of our 24/7 customer service and claims handling.
New Jersey drivers can now join the thousands of drivers who switch to
Esurance every week."
    Drivers interested in getting auto insurance quotes for Esurance's New
Jersey program should visit the company's Web site, http://www.esurance.com, or call
the company's 24/7 service center.

    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. 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
coverage with 24/7 customer service and claims handling at competitive prices.

    Through Esurance's Web site, http://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.

    Safe Harbor Statement under the Private Securities Litigation Reform Act
of 1995
    This press release may contain "forward-looking statements" within the
meaning of Section 27A of the Securities Act of 1933 and Section 21E of the
Securities Exchange Act of 1934.  All statements, other than statements of
historical facts, included or referenced in this release which address
activities, events or developments which we expect or anticipate will or may
occur in the future are forward-looking statements.  The words "believe,"
"intend," "expect," "anticipate," "project," "estimate," "predict" and similar
expressions are also intended to identify forward-looking statements.  These
forward-looking statements include, among others, statements with respect to
White Mountains':

    * growth in book value per share or return on equity;
    * business strategy;
    * financial and operating targets or plans;
    * incurred losses and the adequacy of its loss and loss adjustment expense
reserves;
    * projections of revenues, income (or loss), earnings (or loss) per share,
dividends, market share or other financial forecasts;
    * expansion and growth of its business and operations; and
    * future capital expenditures.

    These statements are based on certain assumptions and analyses made by
White Mountains in light of its experience and perception of historical
trends, current conditions and expected future developments, as well as other
factors believed to be appropriate in the circumstances. However, whether
actual results and developments will conform with its expectations and
predictions is subject to a number of risks and uncertainties that could cause
actual results to differ materially from expectations, including:

    * claims arising from catastrophic events, such as hurricanes,
earthquakes, floods or terrorist attacks;
    * the continued availability of capital and financing;
    * general economic, market or business conditions;
    * business opportunities (or lack thereof) that may be presented to it and
pursued;
    * competitive forces, including the conduct of other insurers and
reinsurers;
    * changes in domestic or foreign laws or regulations applicable to White
Mountains, its competitors or its  clients;
    * an economic downturn or other economic conditions adversely affecting
its financial position;
    * loss reserves established subsequently proving to have been inadequate;
and
    * other factors, most of which are beyond White Mountains' control.

    Consequently, all of the forward-looking statements made in this press
release are qualified by these cautionary statements, and there can be no
assurance that the actual results or developments anticipated by White
Mountains will be realized or, even if substantially realized, that they will
have the expected consequences to, or effects on, White Mountains or its
business or operations. White Mountains assumes no obligation to update
publicly any such forward-looking statements, whether as a result of new
information, future events or otherwise.


  SOURCE Esurance




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Related links:
  • http://www.esurance.com
    CONTACT:
    Susan MacTavish Best of Best Public
    Relations, +1-415-505-0301, or susan@bestpr.net, for Esurance

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