CONSENT OF INDEPENDENT ACCOUNTANTS


We hereby consent to the use in this Registration Statement Amendment No. 4 on
Form S-3 of XL Capital Ltd of our report dated May 5, 2003 relating to the
financial statements of XL Capital Finance (Europe) plc, which appear in such
Registration Statement, for the year ended December 31, 2002. We also consent to
the reference to us under the heading "Experts" in such Amended Registration
Statement.


PRICEWATERHOUSECOOPERS

Chartered Accountants
Hamilton, Bermuda
May 9, 2003