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 (Form S-3, No. 333-73012)
of White Mountains Insurance Group, Ltd. and Fund American Companies, Inc.; and
the Folksamerica Holding Company 401(K) Savings and Investment Plan (Form S-8,
No. 333- 82563), the Executive Bonus Plan of White Mountains (Form S-8, No.
333-89381), the Voluntary Deferred Compensation Plan of White Mountains (Form
S-8, No. 333-89387), the White Mountains Long-Term Incentive Plan, the White
Mountains Insurance Group Executive Savings Plan and the OneBeacon Insurance
Executive Savings Plan (Form S-8, No. 333-83206), the OneBeacon Insurance
Savings Plan (Form S-8, No. 333-68438) and the OneBeacon Insurance Supplemental
Plan (Form S-8, No. 333-68460) of White Mountains Insurance Group, Ltd. of our
report dated February 14, 2003, relating to the financial statements and
financial statement schedules, which appears in this Form 10-K.



/s/ PricewaterhouseCoopers LLP

Boston, Massachusetts
March 27, 2003