Exhibit 23.1

                       CONSENT OF INDEPENDENT ACCOUNTANTS

We consent to the incorporation by reference in the Registration Statement on
Form S-3 of White Mountains Insurance Group, Ltd. and Fund American Companies,
Inc. of our report dated February 9, 2001, except for Note 17, which is as of
March 16, 2001, relating to the 2000 and 1999 financial statements and financial
statement schedules of White Mountains Insurance Group, Ltd. and its
subsidiaries.

 /s/     PricewaterhouseCoopers

         Hamilton, Bermuda

         November 8, 2001