SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549
                                  -------------

                                    FORM 8-K

                                 CURRENT REPORT

                Pursuant to Section 13 or 15(d) of the Securities
                              Exchange Act of 1934


                                OCTOBER 20, 2000
                Date of Report (Date of earliest event reported)


                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
             (Exact name of registrant as specified in its charter)



       BERMUDA                           1-8993                  94-2708455
(State or other jurisdiction of        (Commission            (I.R.S. Employer
 incorporation or organizatio  n)      file number)          Identification No.)


               80 SOUTH MAIN STREET, HANOVER, NEW HAMPSHIRE 03755
                    (Address of principal executive offices)


                                 (603) 643-1567
              (Registrant's telephone number, including area code)





ITEM 5.         OTHER EVENTS.


On October 20, 2000, White Mountains Insurance Group, Ltd. announced that it had
received a favorable tax ruling from the Internal Revenue Service regarding
issues related to its 1991 sale of Fireman's Fund Insurance Company to Allianz
of America, Inc.

The Registrant's press release dated October 20, 2000 announcing this
information is attached herewith as Exhibit 99(a) and is incorporated by
reference in its entirety.




ITEM 7.         FINANCIAL STATEMENTS AND EXHIBITS.

     (c)        Exhibits.  The following exhibits are filed herewith:

     EXHIBIT NO.               DESCRIPTION

99 (a)                         Text of press release issued by White Mountains
                               Insurance Group, Ltd., dated October 20, 2000.





                                   SIGNATURES


Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.



Dated: October 20, 2000        By:  /s/___________________________
                                    Michael S. Paquette
                                    Senior Vice President and
                                    Controller