Exhibit 23.1


INDEPENDENT AUDITORS' CONSENT


To the Board of Directors and Stockholder of
CII Financial, Inc.
Las Vegas, Nevada


     We consent to the use in this Registration Statement of CII Financial, Inc.
(the "Company") on Form S-4 of our report dated December 21, 2000,  appearing in
the  Prospectus,  which  is a part of this  Registration  Statement,  and to the
references to us under the headings "Summary Historical Financial and Other Data
of CII  Financial",  "Selected  Financial  and Other Data" and "Experts" in such
Prospectus.


/s/DELOITTE & TOUCHE LLP
Las Vegas, Nevada
December 21, 2000