Ownership Submission
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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(Print or Type Responses)
1. Name and Address of Reporting Person *
BARRETTE RAYMOND JOSEPH RENE
   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
__X__ Officer (give title below) __X__ Other (specify below)
Chief Executive Officer / Chairman of the Board
(Last)
(First)
(Middle)
C/O WHITE MOUNTAINS INSURANCE GROUP, 80 SOUTH MAIN STREET		 3. Date of Earliest Transaction (Month/Day/Year)
11/26/2012
(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 11/26/2012   G   4,000 D $ 0 20,066 (1) (2) D  
Common Shares 11/28/2012   G   4,000 D $ 0 16,066 D  
Common Shares 12/07/2012   P   900 (3) A $ 519.01 16,966 D  
Common Shares (restricted)               15,000 D  
Common Shares               6,106 I By IRA
Common Shares               23,273 (2) (4) I By Grantor Retained Annuity Trust
Common Shares               5,255 (1) (4) (5) I By wife
Common Shares               564 (7) I By 401(k)

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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
Common Share Options $ 742               (6) 01/20/2017 Common Shares 125,000   125,000 D  

Reporting Owners

Reporting Owner Name / Address Relationships
 Director  10% Owner  Officer  Other
BARRETTE RAYMOND JOSEPH RENE
C/O WHITE MOUNTAINS INSURANCE GROUP
80 SOUTH MAIN STREET
HANOVER, NH 03755		   X     Chief Executive Officer Chairman of the Board

Signatures

 Jason R. Lichtenstein, by Power of Attorney   12/10/2012
**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) Reflects reclassification of 5,565 Common Shares from 'Indirect By wife' to 'Direct' since the Reporting Person's last ownership report filing.
(2) Reflects reclassification of 1,219 Common Shares from 'Indirect by Grantor Retained Annuity Trust' to 'Direct' since the Reporting Person's last ownership report filing.
(3) Private purchase.
(4) Reflects reclassification of 10,000 Common Shares from 'Indirect By Wife' to 'Indirect by Grantor Retained Annuity Trust' since the Reporting Person's last ownership report filing.
(5) The Reporting Person no longer has a reportable beneficial interest in 10,751 Common Shares owned by his daughter and included in the Reporting Person's prior ownership reports.
(6) All of the options are fully vested and exerciseable.
(7) Reflects accumulation of 2 WTM Common Shares in Reporting Person's Company 401(k) account since his last filed report. WTM Common Shares are purchased at fair market value on the date of purchase. The information in this report is based on a plan statement dated as of November 30, 2012.

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