StarCitizen:Ship Insurance: Difference between revisions
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{{Outdated| | {{Outdated|subject=page|reason=[[StarCitizen:Update:Star Citizen Alpha 4.8.0]] ship loadout insurance|recent=yes}} | ||
[[File:Gladius_Damage.jpg|thumb|right|Damaged [[Gladius]] for an insurance claim]] | [[File:Gladius_Damage.jpg|thumb|right|Damaged [[Gladius]] for an insurance claim]] | ||
[[StarCitizen:Insurance|Insurance policies]] are taken out by pilots for their [[StarCitizen: | [[StarCitizen:Insurance|Insurance policies]] are taken out by pilots for their [[StarCitizen: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}} | {{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}} | ||
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[[File:1.0-insurance-flowchart.jpg|thumb|right|400px|1.0 Ship insurance flow]] | [[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> | 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 One :chassis and original, purchase-included, components. | ||
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;Level Three :chassis, custom components, and ship decorations. | ;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" /> | 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== | ==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" /> | 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== | ==Making a Claim== | ||
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;Claim :Claiming a Destroyed or Stored ship abandons the current ship (if it exists) and starts the claim timer. | ;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 | [[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. | When a Claim is submitted for a ship, the terminal will display the estimated Delivery time for a new ship, with all stock equipment. | ||
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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" /> | 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: | ==References== | ||
{{Reflist}} | |||
[[Category:Gameplay Mechanics]] | |||
Revision as of 11:34, 15 September 2026
Insurance policies are taken out by pilots for their StarCitizen: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.
Levels of Insurance
Ships can be insured by three policy plans:<ref name="CC54">2954: The Stars My Destination: Star Citizen 1.0 on YouTube</ref><ref name="LTIN">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
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.
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">Template:Cite RSI</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>Template:Cite RSI</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>Template:Cite RSI</ref> Insurance claims may be denied in cases of proven fraud.<ref name="ReferenceA" />