Exhibit 23.5



                   [Letterhead of PricewaterhouseCoopers LLP]

                       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 appears 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 headings "Experts" in such
Registration Statement.




/s/ PricewaterhouseCoopers LLP
New York, New York
December 12, 2001