EXHIBIT 32

                   CERTIFICATION ACCOMPANYING FORM 10-Q REPORT
                                       OF
                                 XL CAPITAL LTD
            PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002
              (CHAPTER 63, TITLE 18 U.S.C. SS.SS. 1350(a) AND (b))

Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 (Chapter 63, Title 18
U.S.C. ss.ss. 1350(a) and (b)), each of the undersigned hereby certifies that
the Quarterly Report on Form 10-Q for the period ended March 31, 2005 of XL
Capital Ltd (the "Company") fully complies with the requirements of Section
13(a) or Section 15(d) of the Securities Exchange Act of 1934 and that the
information contained in such Report fairly presents, in all material respects,
the financial condition and results of operations of the Company.

       DATED: MAY 6, 2005


       /s/ BRIAN M. O'HARA
       -------------------------------------
       BRIAN M. O'HARA
       PRESIDENT AND CHIEF EXECUTIVE OFFICER
       XL CAPITAL LTD




       DATED: MAY 6, 2005


       /S/ JERRY DE ST. PAER
       -------------------------------------
       JERRY DE ST. PAER
       EXECUTIVE VICE PRESIDENT AND CHIEF FINANCIAL OFFICER
       XL CAPITAL LTD

A signed original of this written statement required by Section 906, or other
document authenticating, acknowledging, or otherwise adopting the signature that
appears in typed form within the electronic version of this written statement
required by Section 906, has been provided to XL Capital Ltd and will be
retained by XL Capital Ltd and furnished to the Securities and Exchange
Commission or its staff upon request.