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 up as we embark star citizen ship insurance 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

Star Citizen, the ambitious space simulation project developed by Cloud Imperium Games, has introduced many groundbreaking features, and one that stands out in particular for backers and players is the concept of Lifetime Insurance, or LTI. Here, we will delve into what LTI is, how it works, and its significance in the vast universe of Star Citizen. In the vast expanses of space within Star Citizen, insurance functions similarly to the real-world concept. If your ship gets destroyed or stolen, insurance will ensure that you receive a replacement. LTI guarantees that your ship hull and its stock equipment will be replaced without any additional cost, indefinitely. Duration : The primary distinction between LTI and regular insurance policies is the duration. LTI is perpetual, lasting for the entirety of the game's lifespan, while standard insurances have limited durations, such as 3 months, 6 months, or a few years, requiring renewal after expiration. Cost : LTI comes at no additional in-game cost. In contrast, standard insurance policies will necessitate in-game credits for renewals. Coverage : Both LTI and regular insurance cover the ship's hull and its stock equipment. However, upgrades or cargo might need separate, additional insurance coverage.

Main article: Standard Hull Insurance.

Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. Pilots will be able purchase insurance policies in-game. An entity which provides insurance is known as an insurer, an insurance company, an insurance carrier or an underwriter. There are several in-game companies that provide both health and property insurance. In Star Citizen players will be able to insure properties from loss.

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.

Star citizen ship insurance

While I was playing a build of Star Citizen's Alpha 3. The last time I'd played Star Citizen, I entertained myself for an evening by clumsily trying to sneak aboard other players' ships, and while it usually didn't go so well , my repeated failures at stealthy infiltration weren't due to ships having good security, or any security whatsoever. Currently in Star Citizen, as soon as a player opens a door on a ship they've spawned, anyone else playing can also open the ship. That means it's possible to stow away, steal unoccupied ships, or attack the pilot if they're in a free-fire part of the solar system. There haven't been ways to protect your ship from intruders or thieves other than looking over your shoulder every time you climb aboard. Not that Star Citizen has needed security up to this point, really: if your ship is destroyed or stolen, you can just spawn a replacement without any penalty.

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Ground Vehicles. During Star Citizen Alpha the insurance on purchased ships in-game or with funds does not count down. LTI is specifically attributed for backing a concept ship which means directly helping to fund its development. Expect more expensive ships to be proportionally more expensive to insure than cheaper ships. Insurance policies are attached to ship hull id and cannot be transferred from one ship to another. Effective for a set period of time: currently one, three or six months. The insurance covers the ship hull and installed ship components. Currently, on the Alpha and Public Test Universe PTU , all ships and vehicles are given a basic insurance plan that does not expire to facilitate testing. How do I get Lifetime Insurance on my ships? Star Citizen Wiki Explore. My fellow travelers, consider this your comprehensive guide to the galaxies of insurance within Star Citizen. Last updated 23 November

Pilots in Star Citizen can purchase insurance policies for their ships, modifications and cargo.

Fan Feed 1 Controls 2 Vulture. Can I use my insurance as an excuse to simply ram other ships to death knowing I will get my ship back? LTI is currently available for concept sales where players essentially back a new ship once the concept is announced and then some time in the future when the ship has been built they will be able to play it. When a Claim is submitted for a ship, the terminal will display the estimated Delivery time for a new ship, with all stock equipment. LTI is perpetual, lasting for the entirety of the game's lifespan, while standard insurances have limited durations, such as 3 months, 6 months, or a few years, requiring renewal after expiration. Crusader Industries. If the ship is stolen or otherwise captured, the policy will not transfer. It is important to note that this only works if you want an LTI ship without a game package. As of Star Citizen Alpha 3. A risk 3 policy for cargo will cover you for all cargo losses in a risk 3 system or below. Should your craft meet its untimely demise, SHI ensures that you can stake a claim and receive a ship of equal value, equipped with the stock equipment that was part of your original ship.