Additionally if you have claimed on a policy and someone is flying the stolen ship in a well policed system, the hull id will mark it as a stolen ship, the law will be after you and landing privileges will be denied on any lawful planet.
Star citizen insurance code#
Claiming on the insurance policy invalidates the hull code on your previous ship, so if it was captured or stolen the new owner will be unable to sell the ship at a regular ship dealer. What will you do to combat insurance fraud?Ī ship cannot be sold without a legitimate hull id code. Must be renewed with in-game credits once expired. Hull is replaced with an identical model in equivalent condition.Įffective indefinitely with no additional in-game fee.Įffective for a set period of time: currently one, three or six months. Replaces your ship hull in the event of destruction or theft. What are the differences between “standard insurance” and “lifetime insurance”? The only exception is the limited number of Vanduul fighters sold through the RSI site during the pledge campaign these ships do have lifetime insurance included. You cannot insure them through the standard UEE-bonded insurance process, although other options will be available. Additionally there will be an increasing delay in replacing your ship every time you make a claim within a certain period of time. You can, but this will be a very bad idea as it is inconvenient and time consuming in getting your replacement ship ready to go again. Yes, the insurance would be transferred to the upgraded ship/package.Ĭan I use my insurance as an excuse to simply ram other ships to death knowing I will get my ship back?
Star citizen insurance upgrade#
Will my insurance carry over to ships I have applied a ship or cross chassis upgrade to? No, and you cannot transfer insurance policies from one ship to another. Will my insurance carry over to ships I earn in the finished game? If the ship is stolen or otherwise captured, the policy will not transfer. The lifetime insurance will follow the ship hull when it is legally sold or gifted. No, lifetime insurance is not account based, and is only included on the items mentioned above.
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Will ships I add to my account have lifetime insurance? Your character will have to buy a new ship with any credits he has, or if he doesn’t have enough credits fly missions for a third party (both NPC and player) until he’s earned enough to buy his own ship again. Lifetime insurance does not exist for modifications or cargo. It is also included in the “concept sale phase” of ships. This can be anywhere from 2 months to 12 months depending on the ship and policy type. Anyone who pledged for a copy on or after November 26th starts with a finite insurance package for their ship. As with the base insurance this will not be crippling financially but instead be a reasonable running cost that relates to the risk / reward profile of the systems flown.Īnyone who pledged for a copy of Star Citizen before Novemautomatically has lifetime insurance on their pledge ships this protects the pledge you made in the game in perpetuity. The higher the risk level of the policy the more it will cost. A risk 3 policy for cargo will cover you for all cargo losses in a risk 3 system or below. Risk level 1 being the safest systems and risk level 5 being the most dangerous system that is insurable for cargo or upgrades. Some of the additional policies like upgrade or cargo insurance will be rated based on risk levels.
Like in real-life, insurance should be a relatively small part of your regular in game expenses which will also include paying landing fees, trade tariffs (if in a system with lots of infrastructure and law and order), fuel (if you don’t collect it yourself from a gas giant), buying cargo to trade, hiring help, making upgrades to your ship or even buying a whole new ship. As in real life, insurance policies must be maintained: you must pay a regular fee in galactic credits (the in-game currency) or your policy will lapse and you will not receive a payout or a ship replacement when your ship is destroyed.
This ensures that your ship will be replaced and/or its modifications and cargo will be subsidized should you be destroyed in a fight or accident. Pilots in Star Citizen can purchase insurance policies for their ships, modifications and cargo.
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