Im pretty sure suicide ganking doesnt allow insurance reimbursement
While the insurance contract lasts for up to 12 weeks, it will be voided under the following circumstances.
If the ship is repackaged
If the ship exchanges owners, whether this is by trade, contracts or boarded in space
If the ship is placed in a corporation hangar.
If the ship was used to engage in activities which result in it being destroyed by CONCORD.
It is worth noting that if a ship is destroyed by CONCORD, then no insurance will be paid out at all, even if no additional insurance was purchased.