Exhibit 23(b)


                       CONSENT OF INDEPENDENT ACCOUNTANTS

We consent to the incorporation by reference in the Registration Statement on
Form S-8 pertaining to the White Mountains Long-Term Incentive Plan, the White
Mountains Insurance Group Discounted Option Plan and the OneBeacon Insurance
Group Discounted Option Plan of White Mountains Insurance Group, Ltd. of our
report dated January 25, 2000, except for Note 22, as to which the date is March
14, 2000, with respect to the consolidated financial statements of Financial
Security Assurance Holdings, Ltd. and it Subsidiaries as of December 31, 1999
and 1998 and for each of the three years in the period ended December 31, 1999
and our report dated February 2, 1999, except for Note 17 as to which the date
is February 24, 1999 with respect to the consolidated financial statements of
Folksamerica Holding Company, Inc. and its subsidiaries for the year ended
December 31, 1998.

 /s/  PricewaterhouseCoopers LLP
      New York, New York
      February 22, 2002