EXHIBIT 23.1
 
                         INDEPENDENT AUDITORS' CONSENT
 
    We consent to the incorporation by reference in the Registration Statement
on Form S-3 of Enhance Financial Services Group Inc. of our report dated March
3, 1997, appearing in the Annual Report on Form 10-K of Enhance Financial
Services Group Inc. and to the reference to us under the heading "Experts" in
the Prospectus, which is part of this Registration Statement.
 


                                                       
New York, New York                                        DELOITTE & TOUCHE LLP
March 12, 1998