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Esurance Joins InsWeb's Online Marketplace

Partnership Benefits Consumers with Expanded Product Offering

SAN FRANCISCO, July 24 -- Esurance Inc., a leading direct-to-consumer personal auto insurance company, today announced that it is now participating in InsWeb's online insurance marketplace as an additional provider of auto insurance coverage for InsWeb consumers.

Esurance's products and services provide flexibility to InsWeb users seeking to complete their auto insurance transactions online. Through Esurance's streamlined insurance processes, InsWeb customers choosing Esurance have the option to purchase policies and manage their accounts online through the Esurance Web site.

"Esurance and InsWeb complement one another nicely. Esurance is an appealing option for InsWeb customers seeking competitive rates and a high degree of online convenience," explains Gary Tolman, Esurance's President and CEO. Tolman continues, "Esurance satisfies the niche of Internet-savvy InsWeb customers who want to buy and manage their auto insurance online."

Unlike other insurance carriers who require policyholders to wait for insurance documents in the mail, Esurance policyholders can print their insurance cards instantly and get copies of their insurance documents anytime, through their online accounts. Esurance policyholders can also make many policy changes or report minor claims online.

"We are pleased to welcome Esurance as a new carrier to our auto insurance marketplace," said Mark Guthrie, InsWeb's President and CEO. "This partnership enhances our offerings by allowing consumers who choose Esurance the added convenience of completing their purchase seamlessly online. We are confident that Esurance reflects our commitment to product variety and quality, and are proud to have them in our program."

About InsWeb

InsWeb enables consumers to compare multiple, actionable quotes for auto, term life, health, homeowners, renters and condominium insurance offerings from many of the nation's highly rated insurers. The top-rated online insurance marketplace also provides live customer service, interactive tools and independent research. Headquartered in Sacramento, Calif., InsWeb is accessible at www.insweb.com.

About Esurance Inc.

Esurance Inc., a subsidiary of the White Mountains Insurance Group, Ltd. , provides personal auto insurance direct to consumers online. Established and run by insurance industry veterans, 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 experience, Esurance is able to offer hassle-free coverage with 24/7 customer service at a competitive price.

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.

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:

  -- 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 property and
     casualty 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.