CCI – Consumer Credit Insurance or LPI – Loan Protection Insurance are insurances that protect you against loss of income for a wide variety of reasons. Our premium cover protects you in the unfortunate event of Accident, Illness, Redundancy, Hospitalization, Death and Insurance Shortfall. In summary it protects you when your income is jeopardized for any of the above reasons and takes care of your loan payments in the event that you cannot. The only exceptions to the cover is that you must comply with standard NZ law. For example: If you are discharged from you job because you were involved in criminal activity, then this is not redundancy and you will not be covered! If you write off your car and are proven to be under the influence of alcohol above the driving limit, your insurance will not protect you. Income protection insurance is their to protect loss of income that arises through unforeseen circumstances as long as it does not involve breaking the law.