EXHIBIT 23(c)



                       CONSENT OF INDEPENDENT ACCOUNTANTS

We consent to the incorporation by reference in the Registration Statements, as
amended, pertaining to the Long-Term Incentive Plan (Form S-8, No. 33-5297),
Medium-Term Notes Series A (Form S-3, No. 33-54006), Common Stock Warrants (Form
S-3, No. 33-54749), Folksamerica Holding Company 401(K) Savings and Investment
Plan (Form S-8, No. 333- 82563), the Executive Bonus Plan (Form S-8, No.
333-89381), the Directors' Retirement Benefit Plan (Form S-8, No. 333-89385) and
the Voluntary Deferred Compensation Plan (Form S-8, No. 333-89387) of White
Mountains Insurance Group, Ltd. of our report dated January 25, 2000, except for
Note 22, as to which the date is March 14, 2000, with respect to the
consolidated financial statements of Financial Security Assurance Holdings, Ltd.
and Subsidiaries as of December 31, 1999 and 1998 and for each of the three
years in the period ended December 31, 1999 and our report dated February 2,
1999, except for Note 17 as to which the date is February 24, 1999 with respect
to the consolidated financial statements of Folksamerica Holding Company, Inc.
and its subsidiaries for the year ended December 31, 1998.


/s/  PricewaterhouseCoopers LLP



New York, New York
March 26, 2001