Insurance costs

File:Galactic-Insurance-Pilot.png

Pilots Insurance

If you die, get killed, hunted down, self destruct, or just slammed into a space station by a malfunctioning docking computer, then you will be given an opportunity to rebuy your ship by paying an 'insurance' cost derived from the ship's purchase cost.

Upon the destruction of your ship an insurance screen will be displayed giving the option to repurchase your (now destroyed) ship's loadout, or to choose a free Sidewinder (loaned to you from the Pilots Federation). The cost of the rebuy is affected by your or your killers notoriety; the higher your notoriety the more it will cost, but the higher your killers notoriety the less it will cost. If you do not have enough credits to repurchase your old loadout, you will be given an opportunity to take out a loan that scales to your highest Pilots Federation rank. If the player cannot repurchase their old loadout even with loans, they will be forced to choose the Sidewinder, and lose their old ship and its loadout.

Note that this isn't insurance in the traditional sense. If you cannot or chose not to repurchase your old ship, you will not be paid any credits in compensation; you will lose the value of the ship and all its fittings.

Lore

When a commander's ship receives catastrophic hull damage (breaks apart) or becomes incapable of supporting life, the commander automatically escapes via an ever-present, indestructible escape pod. The escape pod transports the commander back to the last station that they docked at. Galactic Insurance provides your pilots insurance to help you to rebuy your old ship loadout at reduced cost or you can take a basic sidewinder for free.

The Cockpit Voice-Activated System is issued as standard by the Pilots Federation in accordance with statute B7249 of the Interstellar Transit Charter. For insurance purposes it is illegal to travel in most systems without the use of COVAS technology.

Ships

The following table shows the approximate purchase and insurance cost for ships and equipment. Also note that the insurance is 5% of the cost of the ship, and all other items.

Insurance prices based upon 5% of their purchase price.

Ship	Purchase Cost (CR)	Insurance Cost (CR)	Beta Backer1 (-25% CR)	Alpha Backer2 (-50% CR)
Sidewinder MkI	32,000*	1,600*	1,200*	800*
Eagle MkII	44,800	2,240	1,680	1,120
Hauler	52,720	2,636	1,977	1,318
Adder	87,808	4,390	3,293	2,195
Viper MkIII	142,931	7,146	5,360	3,573
Cobra MkIII	379,718	18,985	14,239	9,493
Type-6	1,045,945	52,297	39,223	26,149
Asp Explorer	6,661,153	333,057	249,793	166,529
Type-7	17,472,252	873,613	436,807	218,404
Imperial Clipper	22,295,860	1,114,793	836,095	557,397
Federal Dropship	37,814,205	1,890,710	1,418,033	945,355
Orca	48,539,887	2,426,994	1,820,246	1,213,497
Python	56,978,179	2,848,908	2,136,681	1,424,454
Lakon Type-9 Heavy	96,555,842	4,827,792	3,620,844	2,413,896
Anaconda	146,969,451	7,348,472	5,511,354	3,674,236

* Sidewinders are the starter ship so they are free unless you're purchasing a new one or paying insurance for an old loadout.

[1] Beta backers receive an additional 25% discount on the insurance cost of their ships, which includes the hull and its modules.

[2] Alpha backers receive an additional 50% discount on the insurance cost of their ships, which includes the hull and its modules.

Weaponry

--Information may be outdated--

Item	Purchase cost	Insurance cost
Class 1 Pulse Laser (G)	6,600 CR	330 CR
Class 1 Multi-cannon (G)	14,250 CR	712 CR
Class 2 Multi-cannon	9,500 CR	475 CR
3C Multi-cannon	578,436 CR	28,922 CR
2F Burst laser	162,800 CR	8,140 CR
3C Fragment cannon	1,751,040 CR	87,552 CR

Utility Mount

Item	Purchase cost	Insurance cost
1I Chaff launcher	7,225 CR	361 CR
1I Heat sink launcher	2,975 CR	149 CR
1C Frame shift wake scanner	121,899 CR	6,095 CR
1A Shield booster	238,850 CR	11,943 CR

Optional Internal Compartment

Item	Purchase cost	Insurance cost
1C Advanced Discovery Scanner	1,313,250 CR	65,663 CR
3E Cargo Rack (Capacity: 8)	10,563 CR	528 CR
4E Cargo Rack (Capacity: 16)	34,328 CR	1,716 CR
5E Cargo Rack (Capacity: 32)	111,566 CR	5,578 CR
6E Cargo Rack (Capacity: 64)	362,591 CR	18,130 CR
5A Fuel scoop	9,073,684 CR	453,685 CR
6A Shield generator	16,179,531 CR	808,977 CR

Other Equipment

--Information may be outdated--

Item	Purchase cost	Insurance cost
Docking Computer	4,500 CR	225 CR
Cargo Scanner	13,410 CR	670 CR
Heatsink Launcher	3,500 CR	175 CR