Exhibit 23.5




                       CONSENT OF INDEPENDENT ACCOUNTANTS
                       ----------------------------------


We hereby consent to the incorporation by reference in this Registration
Statement Amendment No. 6 on Form S-3 of XL Capital Ltd of our report dated
February 11, 2003 relating to the financial statements and financial statement
schedules, which appear in XL Capital Ltd's Form 10-K 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 LLP

New York, New York
June 18, 2003