<DOCUMENT>
<TYPE>EX-23.A
<SEQUENCE>8
<FILENAME>xl23a.txt
<DESCRIPTION>CONSENT OF PRICEWATERHOUSECOOPERS
<TEXT>
                                                                   Exhibit 23(a)


                       CONSENT OF INDEPENDENT ACCOUNTANTS

     We hereby consent to the incorporation by reference in this Registration
Statement on Form S-3 of our report dated February 15, 2001 relating to the
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, 2000.
We also consent to the reference to us under the heading "Experts" in such
Registration Statement.

/s/ PriceWaterhouseCoopers LLP
PRICEWATERHOUSECOOPERS LLP


New York, New York
August 5, 2001


</TEXT>
</DOCUMENT>