Insurance costs

Pilots who lose their 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.

File:Galactic-Insurance-Pilot.png

Pilots Insurance

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 Vessels. Choosing the loaned Sidewinder will respawn the pilot at LHS 3447.

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 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 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

Template: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.

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