Insurance costs: Difference between revisions

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~~{{UpdateMe}}~~

[[File:Galactic-Insurance-Pilot.png|thumb|300px|Pilots Insurance]]

Pilots who lose their [[Ships|ship]] for any reason are offered the chance to rebuy an exact copy of their destroyed ship by the Galactic Insurance Co., which typically insures at least 95% of the cost of the vessel.

~~If you die~~, ~~get killed, are hunted down~~, [[Self Destruct~~|self destruct~~]], ~~or just slammed into a space station by a malfunctioning~~ [[~~Docking Computer|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 ship destruction, whether caused by an attack perpetrated by another party, activation of [[Self Destruct]], [[Life Support]] failure, or catastrophic collision with another object, the pilot is presented with the insurance options menu. The pilot can choose to rebuy their lost ship in its entirety, deselect certain modules to reduce the cost, or forego recovering that specific ship loadout and instead choose a free [[Sidewinder MkI]] loaned by the [[Pilots Federation]]. Criminal pilots may be forced to repay the costs of their accumulated fines and bounties. If a pilot has insufficient [[credits]], they can take out a limited [[loan]], but if they still cannot afford the rebuy, they will be forced to choose the Sidewinder and lose their previous loadout. Choosing to rebuy will [[respawn]] the pilot in their custom ship at the last station they docked at, or a [[Detention Centre]] if they were destroyed by [[System Authority Vessel]]s. Choosing the loaned Sidewinder will respawn the pilot at [[LHS 3447]].

~~Upon the destruction of your ship~~, ~~an insurance screen will be displayed offering you 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 killer's~~ [[~~notoriety~~]]~~; the higher your notoriety, the more it will cost, but the higher your killer's 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 you~~ cannot ~~repurchase your old loadout even with loans~~, ~~you~~ will be forced to choose the Sidewinder, and lose ~~your 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~~.

Insurance cost is affected by the [[notoriety]] of the victim and the attacker; the victim having a high notoriety will increase the cost of the rebuy, but the attacker having a high notoriety will reduce it. Note that refusing or being unable to rebuy a lost ship will not award any credits in compensation for its value as with traditional insurance.

==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 [[Occupied Escape Pod|escape pod]]. The escape pod transports the commander back to the last station that they docked at.<ref>https://forums.frontier.co.uk/showthread.php?t=5323</ref> [[Galactic Insurance]] provides your pilots insurance to help you rebuy your old ship loadout at reduced cost, or you can take a basic [[Sidewinder]] for free.<ref>In-game description at rebuy screen</ref>

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==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.

{| class="article-table" border="1"

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== References ==

~~{{Stub}}~~

[[Category:Insurance]]

[[Category:Guides]]

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-{{UpdateMe}}
 [[File:Galactic-Insurance-Pilot.png|thumb|300px|Pilots Insurance]]
+Pilots who lose their [[Ships|ship]] for any reason are offered the chance to rebuy an exact copy of their destroyed ship by the Galactic Insurance Co., which typically insures at least 95% of the cost of the vessel.
-If you die, get killed, are hunted down, [[Self Destruct|self destruct]], or just slammed into a space station by a malfunctioning [[Docking Computer|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 ship destruction, whether caused by an attack perpetrated by another party, activation of [[Self Destruct]], [[Life Support]] failure, or catastrophic collision with another object, the pilot is presented with the insurance options menu. The pilot can choose to rebuy their lost ship in its entirety, deselect certain modules to reduce the cost, or forego recovering that specific ship loadout and instead choose a free [[Sidewinder MkI]] loaned by the [[Pilots Federation]]. Criminal pilots may be forced to repay the costs of their accumulated fines and bounties. If a pilot has insufficient [[credits]], they can take out a limited [[loan]], but if they still cannot afford the rebuy, they will be forced to choose the Sidewinder and lose their previous loadout. Choosing to rebuy will [[respawn]] the pilot in their custom ship at the last station they docked at, or a [[Detention Centre]] if they were destroyed by [[System Authority Vessel]]s. Choosing the loaned Sidewinder will respawn the pilot at [[LHS 3447]].
-Upon the destruction of your ship, an insurance screen will be displayed offering you 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 killer's [[notoriety]]; the higher your notoriety, the more it will cost, but the higher your killer's 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 you cannot repurchase your old loadout even with loans, you will be forced to choose the Sidewinder, and lose your 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.
+Insurance cost is affected by the [[notoriety]] of the victim and the attacker; the victim having a high notoriety will increase the cost of the rebuy, but the attacker having a high notoriety will reduce it. Note that refusing or being unable to rebuy a lost ship will not award any credits in compensation for its value as with traditional insurance.
 ==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 [[Occupied Escape Pod|escape pod]]. The escape pod transports the commander back to the last station that they docked at.<ref>https://forums.frontier.co.uk/showthread.php?t=5323</ref> [[Galactic Insurance]] provides your pilots insurance to help you rebuy your old ship loadout at reduced cost, or you can take a basic [[Sidewinder]] for free.<ref>In-game description at rebuy screen</ref>
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 ==Ships==
+{{UpdateMe}}
 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.
 {| class="article-table" border="1"
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 == References ==
 <references />
-{{Stub}}
 [[Category:Insurance]]
 [[Category:Guides]]

Insurance costs: Difference between revisions

Fandom>Clockpuncher