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. 3 to  Registration  Statement  No.
333-52726 of CII  Financial,  Inc. on Form S-4 of our report dated  February 13,
2001  (except for Note 7, as to which the date is March 16, 2001)  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
March 30, 2001