-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 KgGueB4PI3CjrKFDBwTnvNMUvHvy1CMuqNP0r6Tlz5YwFkxmIkOgCyQZu+T3wvnq
 la4AOY8WmxmLKy+ZXY2udQ==

<SEC-DOCUMENT>0001181431-08-059340.txt : 20081103
<SEC-HEADER>0001181431-08-059340.hdr.sgml : 20081103
<ACCEPTANCE-DATETIME>20081103144809
ACCESSION NUMBER:		0001181431-08-059340
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20081031
FILED AS OF DATE:		20081103
DATE AS OF CHANGE:		20081103

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WHITE MOUNTAINS INSURANCE GROUP LTD
		CENTRAL INDEX KEY:			0000776867
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				942708455
		STATE OF INCORPORATION:			D0
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		80 SOUTH MAIN ST
		CITY:			HANOVER
		STATE:			NH
		ZIP:			03755
		BUSINESS PHONE:		603 640 2200

	MAIL ADDRESS:	
		STREET 1:		80 SOUTH MAIN STREET
		CITY:			HANOVER
		STATE:			NH
		ZIP:			03755

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	WHITE MOUNTAINS INSURANCE GROUP INC
		DATE OF NAME CHANGE:	19990603

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FUND AMERICAN ENTERPRISES HOLDINGS INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FUND AMERICAN COMPANIES INC
		DATE OF NAME CHANGE:	19920701

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			GENERAL REINSURANCE CORP
		CENTRAL INDEX KEY:			0000040799
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08993
		FILM NUMBER:		081157160

	BUSINESS ADDRESS:	
		STREET 1:		600 STEAMBOAT ROAD
		CITY:			GREENWICH
		STATE:			CT
		ZIP:			06830

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			GENERAL RE CORP
		CENTRAL INDEX KEY:			0000317745
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08993
		FILM NUMBER:		081157161

	BUSINESS ADDRESS:	
		STREET 1:		FINANCIAL CENTRE P O BOX 10351
		STREET 2:		695 EAST MAIN STREET
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06904-2351
		BUSINESS PHONE:		2033285000

	MAIL ADDRESS:	
		STREET 1:		FINANCIAL CENTRE
		STREET 2:		P O BOX 10350
		CITY:			STAMFORD
		STATE:			CT
		ZIP:			06904-2350

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BUFFETT WARREN E
		CENTRAL INDEX KEY:			0000315090

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08993
		FILM NUMBER:		081157162

	BUSINESS ADDRESS:	
		STREET 1:		1440 KIEWIT PLZ 3555 FARNAM ST
		STREET 2:		STE 1440
		CITY:			OMAHA
		STATE:			NE
		ZIP:			68131

	MAIL ADDRESS:	
		STREET 1:		1400 KIEWIT PLZ 3555 FARNAM ST
		STREET 2:		STE 1440
		CITY:			OMAHA
		STATE:			NE
		ZIP:			68131

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			BERKSHIRE HATHAWAY INC
		CENTRAL INDEX KEY:			0001067983
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08993
		FILM NUMBER:		081157163

	BUSINESS ADDRESS:	
		STREET 1:		1440 KIEWIT PLZ
		CITY:			OMAHA
		STATE:			NE
		ZIP:			68131
		BUSINESS PHONE:		4023461400

	MAIL ADDRESS:	
		STREET 1:		1440 KIEWIT PLAZA
		CITY:			OMAHA
		STATE:			NE
		ZIP:			68131

	FORMER NAME:	
		FORMER CONFORMED NAME:	NBH INC
		DATE OF NAME CHANGE:	19980810
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>rrd221969.xml
<DESCRIPTION>FORM 4 FOR BH SALE OF WTM STOCK
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2008-10-31</periodOfReport>

    <notSubjectToSection16>1</notSubjectToSection16>

    <issuer>
        <issuerCik>0000776867</issuerCik>
        <issuerName>WHITE MOUNTAINS INSURANCE GROUP LTD</issuerName>
        <issuerTradingSymbol>WTM</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001067983</rptOwnerCik>
            <rptOwnerName>BERKSHIRE HATHAWAY INC</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>1440 KIEWIT PLAZA</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>OMAHA</rptOwnerCity>
            <rptOwnerState>NE</rptOwnerState>
            <rptOwnerZipCode>68131</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0000315090</rptOwnerCik>
            <rptOwnerName>BUFFETT WARREN E</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>1440 KIEWIT PLAZA</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>OMAHA</rptOwnerCity>
            <rptOwnerState>NE</rptOwnerState>
            <rptOwnerZipCode>68131</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0000317745</rptOwnerCik>
            <rptOwnerName>GENERAL RE CORP</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>1440 KIEWIT PLAZA</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>OMAHA</rptOwnerCity>
            <rptOwnerState>NE</rptOwnerState>
            <rptOwnerZipCode>68131</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0000040799</rptOwnerCik>
            <rptOwnerName>GENERAL REINSURANCE CORP</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>1440 KIEWIT PLAZA</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>OMAHA</rptOwnerCity>
            <rptOwnerState>NE</rptOwnerState>
            <rptOwnerZipCode>68131</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>0</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Shares, $1.00 par value</value>
            </securityTitle>
            <transactionDate>
                <value>2008-10-31</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>1634921</value>
                </transactionShares>
                <transactionPricePerShare>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>89279</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                    <footnoteId id="F2"/>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">On October 31, 2008, General Reinsurance Corporation exchanged 1,634,921 common shares of White Mountains Insurance Group, Ltd. (?WTM?), at an exchange value of $485.00 per share, for 100% of the common stock of a subsidiary of WTM that holds Commercial Casualty Insurance Company, International American Group, Inc., and approximately $708 million in cash, pursuant to an Exchange Agreement, dated as of March 8, 2008, by and among Berkshire Hathaway Inc. (?Berkshire?), General Reinsurance Corporation (?General Reinsurance?), WTM, and Railsplitter Holdings Corporation.</footnote>
        <footnote id="F2">These securities are owned directly by General Reinsurance, which is a wholly owned subsidiary of General Re Corporation (?Gen Re?), which is a wholly owned subsidiary of Berkshire.  Gen Re and Berkshire are indirect beneficial owners of the reported securities.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Berkshire Hathaway Inc., by Marc D. Hamburg</signatureName>
        <signatureDate>2008-11-03</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----