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Esurance Continues Charitable Giving

Auto Insurance Company's CEO Discusses Corporate Matching & Other Programs

SAN FRANCISCO, Dec. 22 -- Esurance, the direct-to-consumer auto insurance company, announced that it would close the year having given approximately $25,000 through its charitable matching program in 2005. The company's charitable matching program has been in place for over 4 years. In 2005, the company also gave associates time off to volunteer for disaster relief efforts and sponsored several non-profit organizations.

Gary Tolman, Esurance President and CEO stated, "This past year was one that made many people aware of the need to contribute to charitable causes. We were all affected by what happened around the world, with the South Asian Tsunami, Hurricanes Katrina, Rita, and Wilma, as well as the earthquake in Pakistan. Many of our associates contributed to relief causes relating to those disasters, and we were more than happy to match their dollars."

Because of the magnitude of the impact of this year's hurricanes, Esurance offered associates additional time off to volunteer for relief work. In hurricane-affected regions, food banks were hard hit by the influx of displaced families. As a result, Esurance's Dallas associates organized a food drive and plan to volunteer at a local food bank. Associates in Esurance's Tampa and Sacramento offices also pitched in for Katrina relief efforts. Tolman stated, "Though we're always proud to match charitable dollars, organizations also need more hands, particularly when disaster strikes. That's why we are pleased to give people the opportunity to donate some time to relief work."

Throughout the year, Esurance also sponsored several charitable and non- profit causes. Esurance sponsorships benefited youth organizations like Boys Hope Girls Hope, Girls Inc., and YMCA Urban Services. Esurance's support also benefited the environment, with sponsorships of organizations like Friends of the Urban Forest, Chicago Gateway Green, and Tampa Bay Reforestation and Environmental Effort, Inc. Individual associates also walked, ran, and joined hands to raise money for the battles against HIV-AIDS, breast cancer, and leukemia-lymphoma.

Tolman concluded, "We have a very energetic and giving group of associates here at Esurance, people whom we are proud to support in all their charitable efforts. One of our company's core commitments is giving back to the communities that have helped make us successful, and we plan to do even more in 2006."

About Esurance

Esurance, a subsidiary of White Mountains Insurance Group, Ltd. , 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, 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

The 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 "will," "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 and related reinsurance;
  * projections of revenues, income (or loss), earnings (or loss) per share,
    dividends, market share or other financial forecasts;
  * expansion and growth of our 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 to our 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 property and casualty
    insurers and reinsurers;
  * changes in domestic or foreign laws or regulations, or their
    interpretation, applicable to White Mountains, its competitors or its
    clients;
  * an economic downturn or other economic conditions adversely affecting
    its financial position;
  * recorded loss reserves subsequently proving to have been inadequate;
  * other factors, most of which are beyond White Mountains' control.

Consequently, all of the forward-looking statements made in this earnings 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.