Pilots Insurance

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.

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.


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.[1] 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.[2]

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.[3]


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.


--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 Edit

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 Edit

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 EquipmentEdit

--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

References Edit

  2. In-game description at rebuy screen
  3. In-game Livery description
Community content is available under CC-BY-SA unless otherwise noted.