Star citizen ship insurance

Lost Your Password? I agree to the Privacy Policy. As a seasoned voyager in the ever-expanding universe crafted by Cloud Imperium Games, I take pride in my extensive expertise and meticulous understanding of every facet of the Star Citizen experience. So buckle star citizen ship insurance as we embark on an exploratory mission into the complexities of ensuring your precious fleet against the unpredictable dangers of space travel.

Insurance policies are taken out by pilots for their ships , cargo , and modifications. Basic hull insurance will insure a pilot against the loss of the hull and the stock weapons that it came attached with. A regular fee must be paid to maintain this policy and operates as a reasonable running cost. Additional insurance policies may be taken out based on risk. The riskier the star systems that you are taking your ship or cargo through, the higher the premiums will be.

Star citizen ship insurance

This information is subject to change without notice as the game continues development. Last updated 23 November Please note that the content of this post can be seen as controversial. The information compiled is not representative of any official information and is purely provided as speculative. Official CIG posts on insurance can be found in our sources section. Insurance in Star Citizen works much as it does in real life. If an insurance policy lapses and the ship is destroyed, players may not receive a payout or replacement ship. Insurance fees will make up a relatively small amount of the total fees that you will have to pay in game that include docking fees, trade tariffs, fuel, hired crew, among others. This means that players should not be overly concerned about insurance costs above other gameplay costs in Star Citizen. It's worth noting that more expensive ships will probably have higher insurance premiums, so players should expect the costs of insurance like all costs to scale with the ship value. Insurance does not tick during Star Citizen Alpha. This means that during Alpha every ship or vehicle essentially has lifetime insurance. Players do not need to worry about having to renew their insurance premiums during the Alpha phase of testing. During Star Citizen Alpha, destroying your ship will still result in an insurance claim.

On the other hand, a pledge ship without LTI means you must stay vigilant about insurance renewal, akin to keeping your documents and ID card current. Additionally cargo and component upgrades will also be able to be covered by a separate insurance.

Welcome to the wiki! Be sure to read the rules before editing, and if you have any questions or confusions, feel free to contact us! Ships and vehicles are offered with different types of insurance on the pledge store, these insurance policies cover the loss of the ship hull as well as the components that are included with the ship sale. Additionally cargo and component upgrades will also be able to be covered by a separate insurance. A simplified insurance policy active for every ship and vehicle during the development process, the policy does not have to be renewed or upkeep paid. The insurance covers the ship hull and installed ship components. Replacing a lost ship or claiming a ship from a another location as it is currently stored, is cost free.

Pilots in Star Citizen can purchase insurance policies for their ships, modifications and cargo. 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. Some of the additional policies like upgrade or cargo insurance will be rated based on risk levels. Risk level 1 being the safest systems and risk level 5 being the most dangerous system that is insurable for cargo or upgrades. Any risk level over 5 is un-insurable. A risk 3 policy for cargo will cover you for all cargo losses in a risk 3 system or below. The higher the risk level of the policy the more it will cost. Anyone who pledged for a copy of Star Citizen before November 26, automatically has lifetime insurance on their pledge ships; this protects the pledge you made in the game in perpetuity. Anyone who pledged for a copy on or after November 26th starts with a finite insurance package for their ship.

Star citizen ship insurance

Insurance policies are taken out by pilots for their ships , cargo , and modifications. Basic hull insurance will insure a pilot against the loss of the hull and the stock weapons that it came attached with. A regular fee must be paid to maintain this policy and operates as a reasonable running cost.

Greenville ohio horse parade 2023

Players will have to sell one ship to buy another if they cannot afford to buy a ship outright. How does insurance work during Star Citizen Alpha? Much like the regular fees associated with real-life insurance, UEC must be periodically handed over to prevent lapses in coverage. The parallel ends there, though, as the stakes are intergalactically higher. An LTI ship might cost more upfront, but it saves you a lot of money and hassle over your Star Citizen career. Cost : LTI comes at no additional in-game cost. As with all game features, it's crucial for players to stay updated with official communications from Cloud Imperium Games, as elements of the game are continually being developed and refined. Engineering - Comm-Link. No, and you cannot transfer insurance policies from one ship to another. So buckle up as we embark on an exploratory mission into the complexities of ensuring your precious fleet against the unpredictable dangers of space travel. Main article: Standard Hull Insurance. This system is not static; it is continually affected by the actions and choices of its participants. Please note that the content of this post can be seen as controversial.

This information is subject to change without notice as the game continues development. Last updated 23 November Please note that the content of this post can be seen as controversial.

Finally the Advocacy takes insurance fraud very seriously. Expect more expensive ships to be proportionally more expensive to insure than cheaper ships. Official CIG posts on insurance can be found in our sources section. Duration : The primary distinction between LTI and regular insurance policies is the duration. The insurance cost has tangible consequences for players, much like real money affects us in the palpable world. Any risk level over 5 is un-insurable. More info. For example, ships with 3 months insurance will have 3 months before the first insurance renewal payment is required in game. The value increases, but so does the risk. After the game launches it will no longer be possible to upgrade ships from one to another. Insurance fees will make up a relatively small amount of the total fees that you will have to pay in game that include docking fees, trade tariffs, fuel, hired crew, among others. During Star Citizen Alpha the insurance on purchased ships in-game or with funds does not count down.