imported>Mango Gelatin at 18:20, 15 September 2025

2025-09-15T18:20:10Z

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[[File:Gladius_Damage.jpg|thumb|right|Damaged [[Gladius]] for an insurance claim]]

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

{{Note|As of [[StarCitizen:Star Citizen Alpha 4.3.0]], all ships are treated as having permanent level Two insurance with warranty, and are replaced by either waiting some amount of time, or paying a premium to expedite the replacement}}

==Levels of Insurance==

[[File:1.0-insurance-flowchart.jpg|thumb|right|400px|1.0 Ship insurance flow]]
Ships can be insured by three policy plans<ref name="CC54">[https://www.youtube.com/watch?v=WkMD3ZfDZus|text=CitizenCon 2954: The Stars My Destination: Star Citizen 1.0] on YouTube</ref><ref name="LTIN">[https://robertsspaceindustries.com/spectrum/community/SC/forum/3/thread/lti-notes-for-star-citizen-1-0/448014|text=LTI Notes for Star Citizen 1.0] on Spectrum</ref>:

;Level One :chassis and original, purchase-included, components.
;Level Two :chassis and custom components.
;Level Three :chassis, custom components, and ship decorations.

Upon claiming an insurance, the player will be reimbursed the devalued cost of the ship according to the insurance level. Unless the ship has a warranty, it will be up to the player to repurchase the ship and components covered by the policy<ref name="CC54" /><ref name="LTIN" />.

==Warranty==
A '''Warranty '''allows the player to forfeit the reimbursement process and grant a ship replacement to the player without devaluation. All ships pledged on the store come with a Warranty. In the case of a ship being lost with an expired insurance but with a Warranty, the player will be able to expend an undisclosed sum to reclaim the ship. It will be possible to earn Transferable Warranties for ships acquired ingame<ref name="CC54" /><ref name="LTIN" />.

==Making a Claim==
[[File:Ship Retrieval Console.jpg|thumb|right|400px|Ship Retrieval Console, for claims, tracking, and retrieval]]

At the Ship Retrieval Consoles, near hangars and pads, all owned ships are listed with their status. From there, Citizens have three options:

;Retrieve :If the ship is currently Stored, the ship may be retrieved to the nearest available pad/hangar and flown.
;Claim :Claiming a Destroyed or Stored ship abandons the current ship (if it exists) and starts the claim timer.

[[File:Ship Insurance Claim Time.png|thumb|Claim Insurance time for [[Ship Insurance]]]]

When a Claim is submitted for a ship, the terminal will display the estimated Delivery time for a new ship, with all stock equipment.

At the users' choice, they may pay an Expedite fee to drastically reduce the claim time until a new ship is provided.

==Lifetime Insurance==

Lifetime Insurance (LTI) is present for any ships:

*purchased before November 26, 2013 by original and veteran backers,<ref name="ReferenceA">{{Cite RSI|url=comm-link/transmission/12986-Lifetime-Insurance-Clarification|text=Lifetime Insurance Clarification}}</ref>
*purchased during their concept sales before April 2018,
*purchased with new money ("warbond") during their concept sales,
*purchased during the Anniversary Sale in 2013,<ref>{{Cite RSI|url=comm-link/transmission/13377-Anniversary-Sale-Details|text=Anniversary Sale Details}}</ref>
*that cost $1000 or more,
*that are in a package that costs $1000 or more,
*that are in some other specific packages (such as those available to Concierge backers).

LTI policies are a never expiring level One<ref name="CC54" /><ref name="LTIN" /> insurance policy. LTI does not exist for modifications or cargo.<ref>{{Cite RSI|url=comm-link/transmission/12820-Insurance-FAQ-And-Update|text=RSI Insurance FAQ and Update}}</ref> Insurance claims may be denied in cases of proven fraud.<ref name="ReferenceA" />

[[Category:Gameplay_Mechanics]]

StarCitizen:Ship Insurance - Revision history

imported>Mango Gelatin at 18:20, 15 September 2025