保險

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File:Galactic-Insurance-Pilot.png

Pilots Insurance

All pilots are granted insurance for their ships by the Galactic Insurance Company. When a ship receives catastrophic hull damage or becomes inhospitable under any circumstances, including the activation of the Self Destruct function or Life Support depletion, the pilot automatically escapes via an ever-present, indestructible escape pod that transports them to safety at the nearest station. The pilot is then presented with a chance to rebuy an exact copy of their destroyed ship for a percentage fee, usually 5%, based on the ship's total value.

Paying insurance costs

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 in the system where they started their career, with one exception: pilots who started in Dromi will respawn in the AY Indi system.

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.

Ships

The following table shows the approximate purchase and insurance cost for ships with default loadouts.

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 Transporter	1,045,945	52,297	39,223	26,149
Asp Explorer	6,661,153	333,057	249,793	166,529
Type-7 Transporter	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
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

* The player's first Sidewinder MkI is provided for free, and the rebuy screen always offers the option to accept another free Sidewinder if the player cannot pay the insurance fee for their previous ship.

[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.

NPC Crew

As of the January Update, any NPC Crew that have been hired can also be recovered by paying a flat fee that is determined by the crew member's Combat rank.

NPC Combat Rank	Hiring Cost (CR)	Insurance Cost (CR)
Harmless	15,000	20,000
Mostly Harmless	30,000	40,000
Novice	55,000	70,000
Competent	90,000	120,000
Expert	150,000	200,000
Master	N/A	325,000
Dangerous	N/A	650,000
Deadly	N/A	1,250,000
Elite	N/A	2,250,000

Notes

• All ships come with Cockpit Voice-Activated System technology installed by default by the Pilots Federation. A COVAS is mandatory by statute B7249 of the Interstellar Transit Charter for insurance purposes.