Apologies if a thread already exists on this.
I’m curious about ship insurance.
I just got a Dragoon and loaded it with all the modules I’m trained for and am wondering if I should insure it or not.
The platinum insurance for it would cost me almost 600k and the payout is 1.6mil. Are the modules included in that payout? Doesn’t look that way. Why not? Why are the modules throw-away while they’re so expensive ? Shouldn’t a portion of their value at least be included in the insurance?
When I look at Dragoon value vs the Market price there’s more than a 1mil difference to 2.4mil. I understand that the Market prices are overinflated and there’s nothing anyone can do about it though.
So when my ship is lost I’d still have to disburse about 1mil over the value of it plus I have to eat all the cost of the modules.
As a new player, it’s a hard pill to swallow. I understand it’s part of the risks of undocking but some of those modules are very expensive. It would take me weeks to replace that Dragoon and it’s modules.
What am I supposed to do during those weeks while I recover the cost of the ship and its modules? Especially knowing that mining is frowned upon, that I may need to pay for a Mining Permit and is really boring, manufacturing demands more skills than I currently have and without blueprints it’s impossible, those OBP are seriously out of reach pricewise and mission running demands a ship I don’t have ( since it would’ve gotten distroyed ).
Should I even insure the ship if it’s only to recover the underestimated value of it?
Thank you for discussing and any advice you may have.
Have a good day.