Esurance Seeks to Grow in Oregon Oregon Drivers May Save Some Green with Esurance's Recent Launch

    SAN FRANCISCO, Oct. 24 /PRNewswire/ -- Esurance, a direct-to-consumer
 personal auto insurance company, announced the launch of its auto insurance
 program in Oregon. Gary Tolman, Esurance President & CEO, stated, "We think
 Oregon drivers will appreciate our competitive rates and 24/7 convenience."
     On top of the company's affordable base rates, Esurance offers a
 variety of discounts to Oregon drivers, including a $75 discount when a
 driver buys his or her policy online. Tolman explained, "Buying auto
 insurance online eliminates the paperwork that makes applying for auto
 insurance such a hassle. With less paperwork and with our online discount,
 customers can save time and money on their auto insurance, while saving a
 tree or two in the process."
     With a rapidly growing policyholder base nationwide, Esurance's use of
 electronic documents and communications saves hundreds of trees a year.
 Esurance has also focused on making the rest of its operations as paperless
 as possible, and uses hybrid claims vehicles where they are available. Of
 these "green" operational initiatives, Tolman added, "Often, making the
 environmentally friendly decision is also the right thing in terms of
 customer convenience and operating efficiency."
     Esurance also works with a variety of local environmental partners to
 plant trees and restore natural environments, particularly in and around
 urban areas. Through its support of these organizations, Esurance has
 planted thousands of trees across the U.S. Of the company's plans for
 environmental outreach in Oregon, Tolman stated, "We look forward to
 exploring similar opportunities with Oregon's environmental groups. Though
 we are an online company, we still like to put down roots in a variety of
 locations, sometimes meaning that quite literally."
     Esurance's Oregon launch should serve as a reminder for all drivers to
 shop around for auto insurance. Tolman concluded, "Whenever there's a new
 entrant in a state's auto insurance market, drivers should get new auto
 insurance quotes to ensure they're getting the best rates and discounts
 available. With our recent launch, we hope that Oregon drivers will turn
 over a new leaf when it comes to their auto insurance and choose Esurance."
     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,, 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. Esurance is proud to support our communities
 through charitable involvement that benefits public health, youth outreach,
 and the environment.
     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,
     *the risks associated with Item 1A of White Mountains' 2005 Annual Report
      on Form 10-K and second quarter 2006 Form 10-Q;
     *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
     *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
     *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 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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