Exhibit 23

                       CONSENT OF INDEPENDENT ACCOUNTANTS


We hereby consent to the incorporation by reference in the Registration
Statements, as amended, pertaining to the Senior Notes on Form S-3(No.
333-88352) of White Mountains Insurance Group, Ltd. and Fund American Companies,
Inc.; and the Folksamerica Holding Company 401(K) Savings and Investment Plan on
Form S-8(No. 333- 82563), the Executive Bonus Plan of White Mountains on Form
S-8(No. 333-89381), the Voluntary Deferred Compensation Plan of White Mountains
on Form S-8(No. 333-89387), the White Mountains Long-Term Incentive Plan on Form
S-8(No. 333-83206), the OneBeacon Insurance Savings Plan on Form S-8(No.
333-68438) and the OneBeacon Insurance Supplemental Plan on Form S-8(No.
333-68460) of White Mountains Insurance Group, Ltd. of our report dated February
xx, 2005, relating to the financial statements and financial statement
schedules, which appears in this Form 10-K.


/s/ PricewaterhouseCoopers LLP


Boston, Massachusetts
March 1, 2005