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  Amendment  No.  1 to  Registration  Statement
No.333-52726 of CII Financial, Inc. on Form S-4 of our report dated December 21,
2000 (except for Note 12 as to which the date is December 28, 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
February 2, 2001