Exhibit 23.1


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
            --------------------------------------------------------

We  hereby  consent  to the  incorporation  by  reference  in  the  registration
statements of XL Capital Ltd on Form S-3 (File No.  333-116245),  Form S-3 (File
No. 333-101288),  Form S-3 (File No. 333-76988),  Form S-3 (File No. 333-72018),
Form S-3 (File No. 333-66976), Form S-3 (File No. 333-62257), Form S-8 (File No.
333-89568),  Form S-8 (File No. 333-81451),  Form S-8 (File No. 333-62137),  and
Form S-8 (File No. 333-46250) of our report dated March 11, 2005 relating to the
financial statements and financial statement schedules,  management's assessment
of the  effectiveness  of internal  control  over  financial  reporting  and the
effectiveness of internal control over financial reporting, which appears in the
2004 Annual  Report to  Shareholders,  which is  incorporated  by  reference  XL
Capital Ltd's Annual  Report on Form 10-K for the year ended  December 31, 2004.
We also  consent  to the  references  to us under  the  headings  "Experts"  and
"Selected Financial Data" in such Registration Statement.



/s/ PricewaterhouseCoopers LLP
New York, New York
March 11, 2005