Flying around one hears chatter. Lately while I have been in this bar, that cantina, this burrito stand, that hot dog joint I have been hearing a lot of folks whispering and confused about how insurance works.
Being a new pilot to The Verse myself, I was a little bit intimidated at first. Taking from my experiences as a pilot back home I realized that I was just having trouble with the language/translation barrier. Once I got the concept; it was all slip-streaming from there.
Currently under the Regulations commonly referred to as “Alpha and Public Test Universe (PTU)” all ships and vehicles are given a basic insurance plan that does not expire, to facilitate testing. At this time, it requires no upkeep or fee for players to acquire basic ship loss coverage. There may be a fee to file a claim or expedite a replacement, however.
At some point, when the Persistent Universe regulations convert to their final stage, at that time “insurance” will come into play. Think of it more like a “membership fee” for the use of a “factory settings” model of a ship or land vehicle.
The concept I grasped is that insurance is solely intended for when accidents happen and your ship is destroyed and thankfully you survived. Unfortunately due to the accident, all your chattels were destroyed and lost.
The insurance claim system (while resembling a membership) is not a transfer service for moving your chattels across the universe. If you claim a ship from your fleet that has an inventory, from one station to the next, your chattels will be destroyed and you will receive delivery of an empty factory-setting ship at your new location, as per your vehicle load out set in your mobiGlass.
(This means your weapons package, quantum drive, shields, coolers, power plants etc. will be part of your “factory setting” for your ship but zero in your gun rack behind the cockpit, or Inventory or External Storage).
There is no reason to panic about something we don’t even have to panic about yet. No point in losing your shirt over something you can’t control.
Perhaps reading this document I found in the archives will help you better.
