Talk:Insurance costs/@comment-163.118.166.124-20150327144111/@comment-26009169-20150327144921
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There's a reply button to the right of every comment tree, I'd suggest to use that to avoid confusion :)
If your ship gets destroyed you'll get a screen showing you the price for the ship itself and the modules, if you can't afford it even with all the modules removed, then yes it's gone forever