Exhibit 23.1

                        Independent Auditors' Consent
                        -----------------------------

The Board of Directors
The St. Paul Travelers Companies, Inc.:

We consent to the incorporation by reference in the registration statements
(Nos. 33-23948, 33-24220, 33-24575, 33-26923, 33-49273, 33-56987, 333-01065,
333-22329, 333-25203, 333-28915, 333-48121, 333-50941, 333-50943, 333-67983,
333-63114, 333-63118, 333-65726, 333-65728, 333-107698, 333-107699 and
333-114135) on Form S-8 of The St. Paul Travelers Companies, Inc. (formerly
The St. Paul Companies) and the registration statements (Nos. 333-92466,
333-92466-01, 333-98525 and 98525-01) on Form S-3 of The St. Paul Travelers
Companies, Inc. (formerly The St. Paul Companies) of our reports, dated
January 28, 2004, with respect to the consolidated balance sheet of Travelers
Property Casualty Corp. and subsidiaries as of December 31, 2003 and 2002, and
the related consolidated statements of income (loss), changes in shareholders'
equity and cash flows for each of the years in the three-year period ended
December 31, 2003, and all related financial statement schedules, which appear
in the December 31, 2003 Annual Report on Form 10-K of Travelers Property
Casualty Corp. Our reports refer to changes in the methods of accounting for
goodwill and other intangible assets in 2002 and accounting for derivative
instruments and hedging activities and for securitized financial assets in
2001.

/s/ KPMG LLP

Hartford, Connecticut
April 23, 2004