If you are unlucky enough to die, be killed, hunted down, self destruct, or just slammed into a space station by a malfunctioning docking computer, then you will be given an opportunity to rebuy your ship by paying an 'insurance' cost derived from the ship's purchase cost. The following table shows the approximate purchase and insurance cost for ships and equipment. Also note that the insurance is 5% of the cost of the ship, and all other items.

Upon the destruction of your ship an insurance screen will be displayed giving the option to repurchase your (now destroyed) ship's loadout, or to choose a free Sidewinder (loaned to you from the Pilots Federation). If you do not have enough credits to repurchase your old loadout, you will be given an opportunity to take out a loan that scales to your highest Pilots Federation rank. If the player cannot repurchase their old loadout even with loans, they will be forced to choose the Sidewinder, and lose their old ship and its loadout.


When a commander's ship receives catastrophic hull damage (breaks apart) or becomes incapable of supporting life, the commander automatically escapes via an ever-present, indestructible escape pod. The escape pod transports the commander back to the last station that they docked at.[1] Your pilots insurance helps you to rebuy your old ship loadout at reduced cost or you can take a basic sidewinder for free.


Insurance prices based upon 5% of their purchase price.
Ship Purchase Cost (CR) Insurance Cost (CR) Beta Backer1

(-25% CR)

Alpha Backer2

(-50% CR)

Sidewinder MkI 32,000* 1,600* 1,200* 800*
Eagle MkII 44,800 2,240 1,680 1,120
Hauler 52,720 2,636 1,977 1,318
Adder 87,808 4,390 3,293 2,195
Viper MkIII 142,931 7,146 5,360 3,573
Cobra MkIII 379,718 18,985 14,239 9,493
Type-6 1,045,945 52,297 39,223 26,149
Asp Explorer 6,661,153 333,057 249,793 166,529
Type-7 17,472,252 873,613 436,807 218,404
Imperial Clipper 22,295,860 1,114,793 836,095 557,397
Federal Dropship 37,814,205 1,890,710 1,418,033 945,355
Orca 48,539,887 2,426,994 1,820,246 1,213,497
Python 56,978,179 2,848,908 2,136,681 1,424,454
Lakon Type-9 Heavy 96,555,842 4,827,792 3,620,844 2,413,896
Anaconda 146,969,451 7,348,472 5,511,354 3,674,236

* Sidewinders are the starter ship so they are free unless you're purchasing a new one or paying insurance for an old loadout.

[1] Beta backers receive an additional 25% discount on the insurance cost of their ships, which includes the hull and its modules.

[2] Alpha backers receive an additional 50% discount on the insurance cost of their ships, which includes the hull and its modules.


--Information may be outdated--

Item Purchase cost Insurance cost
Class 1 Pulse Laser (G) 6,600 CR 330 CR
Class 1 Multi-cannon (G) 14,250 CR 712 CR
Class 2 Multi-cannon 9,500 CR 475 CR
3C Multi-cannon 578,436 CR 28,922 CR
2F Burst laser 162,800 CR 8,140 CR
3C Fragment cannon 1,751,040 CR 87,552 CR

Utility Mount Edit

Item Purchase cost Insurance cost
1I Chaff launcher 7,225 CR 361 CR
1I Heat sink launcher 2,975 CR 149 CR
1C Frame shift wake scanner 121,899 CR 6,095 CR
1A Shield booster 238,850 CR 11,943 CR

Optional Internal Compartment Edit

Item Purchase cost Insurance cost
1C Advanced Discovery Scanner 1,313,250 CR 65,663 CR
3E Cargo Rack (Capacity: 8) 10,563 CR 528 CR
4E Cargo Rack (Capacity: 16) 34,328 CR 1,716 CR
5E Cargo Rack (Capacity: 32) 111,566 CR 5,578 CR
6E Cargo Rack (Capacity: 64) 362,591 CR 18,130 CR
5A Fuel scoop 9,073,684 CR 453,685 CR
6A Shield generator 16,179,531 CR 808,977 CR

Other EquipmentEdit

--Information may be outdated--

Item Purchase cost Insurance cost
Docking Computer 4,500 CR 225 CR
Cargo Scanner 13,410 CR 670 CR
Heatsink Launcher 3,500 CR 175 CR

References Edit


Start a Discussion Discussions about Insurance costs

  • What happens if I can't afford insurance?

    4 messages
    • When I couldn't afford the insurance the game gave me a loan of up to 500,000 cr to keep rebuying the ship. Any money I earned immediat...
    • you get a loan but I lost a python and went back to sidewinder because the loan wasn't enough to pay for insurance. it was traumatizing....

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