EXHIBIT 23.3

                       CONSENT OF INDEPENDENT ACCOUNTANTS

The Board of Directors
White Mountains Insurance Group, Ltd.:

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 12, 1999, with respect to the consolidated
statements of income and comprehensive income, shareholders' equity, and cash
flows of White Mountains Insurance Group, Ltd. and subsidiaries, and all related
schedules, for the year ended December 31, 1998 which report appears in the
December 31, 2000, annual report on Form 10-K of White Mountains Insurance
Group, Ltd.

/s/ KPMG LLP
Providence, Rhode Island
November 8, 2001