Exhibit 23(c)

                         Consent of Independent Auditors

We consent to the incorporation by reference in the Registration Statement on
Form S-8 of White Mountains Insurance Group, Inc. (formerly "Fund American
Enterprises Holdings, Inc."), pertaining to the Executive Bonus Plan, of our
report dated March 21, 1997, with respect to the consolidated financial
statements and schedule of White Mountains Insurance Group, Inc., included in
its Annual Report (Form 10-K) for the year ended December 31, 1996 filed with
the Securities and Exchange Commission.


                                Ernst & Young LLP


New York, New York
October 19, 1999