Exhibit 23.5


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in this Registration
Statement on Form S-3 of our reports dated February 10, 2004 relating to the
consolidated financial statements and financial statement schedules, which
appear in XL Capital Ltd's Annual Report on Form 10-K for the year ended
December 31, 2003. We also consent to the reference to us under the heading
"Experts" in such Registration Statement.



/s/ PricewaterhouseCoopers LLP


New York, New York
June 7, 2004