FORM 4 Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934, Section 17(a) of the Public Utility Holding Company Act of 1935 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person * BERKOWITZ BRUCE R   2. Issuer Name and Ticker or Trading Symbol WHITE MOUNTAINS INSURANCE GROUP LTD [WTM] 5. Relationship of Reporting Person(s) to Issuer (Check all applicable) __X__ Director _____ 10% Owner _____ Officer (give title below) _____ Other (specify below) (Last) (First) (Middle) C/O WHITE MOUNTAINS INSURANCE GROUP, LTD, 80 SOUTH MAIN STREET 3. Date of Earliest Transaction (Month/Day/Year) 01/03/2006 (Street) HANOVER, NH 03755 4. If Amendment, Date Original Filed(Month/Day/Year) 6. Individual or Joint/Group Filing(Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned

1.Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year) 2A. Deemed Execution Date, if any (Month/Day/Year) 3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4) Code V Amount (A) or (D) Price Common Shares 01/03/2006   J V 62,000 D (1) 0 (1) I By Fairholme Partners L.P. Common Shares 01/03/2006   J V 2,958 A (1) 2,958 (2) D   Common Shares 01/03/2006   J V 1,479 A (1) 1,479 (3) I By East Lane L.L.C. Common Shares 01/03/2006   J V 16,785 A (1) 16,785 (4) I By Fairholme Capital Management, L.L.C. Common Shares               8,500 (5) I See Footnote 5

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Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)

1. Title of Derivative Security (Instr. 3)

2. Conversion or Exercise Price of Derivative Security

3. Transaction Date (Month/Day/Year)

3A. Deemed Execution Date, if any (Month/Day/Year)

4. Transaction Code (Instr. 8)

5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4, and 5)

6. Date Exercisable and Expiration Date (Month/Day/Year)

7. Title and Amount of Underlying Securities (Instr. 3 and 4)

8. Price of Derivative Security (Instr. 5)

9. Number of Derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)

10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)

11. Nature of Indirect Beneficial Ownership (Instr. 4)

Code

V

(A)

(D)

Date Exercisable

Expiration Date

Title

Amount or Number of Shares

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
BERKOWITZ BRUCE R C/O WHITE MOUNTAINS INSURANCE GROUP, LTD 80 SOUTH MAIN STREET HANOVER, NH 03755	X

Signatures

Dennis P. Beaulieu, by Power of Attorney		03/21/2006
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**	Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
(1)	Mr. Berkowitz has elected to file this voluntary Form 4 to report the distribution (the "Distribution") on January 3, 2006 of 62,000 WTM Common Shares from Fairholme Partners L.P. ("Fairholme Partners") to its partners of which 40,778 shares were distributed to partners other than Bruce Berkowitz or his affiliates. This voluntary report is being made in lieu of reporting such distribution on Form 5 within 45 days after the close of WTM's 2006 fiscal year. Mr. Berkowitz previously reported his indirect beneficial ownership of the 62,000 WTM Common Shares held by Fairholme Partners in prior reports but disclaimed beneficial ownershjp of these Common Shares except to the extent of his pecuniary interest.
(2)	In connection with the Distribution, Mr. Berkowitz received 2,958 WTM Common Shares.
(3)	In connection with the Distribution, East Lane L.L.C., a Berkowitz Family Partnership, received 1,479 WTM Common Shares. Mr. Berkowitz is the Managing Member of East Lane L.L.C.
(4)	In connection with the Distribution, Fairholme Capital Management L.L.C. ("Fairholme Capital") received 16,785 WTM Common Shares. Fairholme Capital is a registered investment adviser owned by Mr. Berkowitz and East Lane L.L.C. Mr. Berkowitz is the Managing Member of Fairholme Capital.
(5)	Fairholme Ventures II, LLC ("Fairholme Ventures") is the beneficial owner of 1,500 Common Shares of WTM and Fairholme Funds, Inc./The Fairholme Fund (the "Fairholme Fund") is the beneficial owner of 7,000 Common Shares of WTM. Mr. Berkowitz is the Managing Member of Fairholme Capital which is the Managing Member of Fairholme Ventures and the Investment Adviser to Fairholme Fund. Mr. Berkowitz disclaims beneficial ownership of the WTM Common Shares owned by Fairholme Ventures and Fairholme Fund except to the extent of his pecuniary interest therein.

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