The 'Verse is a vast place, and unfortunately not all of it is safe. At some point you may find yourself face-to-face (or ship-to-ship) with an alien fighter squad, a pirate scouting party, or simply hostile players that want to take your things. There are also naturally occurring hazards, loss of fuel, and malfunctions to consider. Even the best pilot in the universe may find themselves at the mercy of a planetary storm that can render their ship stranded or worse. The way to ensure that your property will not be lost forever when these events happen is through insurance policies for your ships.
What is insurance?
Pilots in Star Citizen will be able purchase insurance policies in-game for their fleet. This ensures that your ship will be replaced and/or its modifications and cargo will be subsidized should it be destroyed or stolen.
Currently, on the Alpha and Public Test Universe (PTU), all ships and vehicles are given a basic insurance plan that does not expire to facilitate testing. At this time, it currently requires no upkeep or fee for players to acquire basic ship loss coverage. There may be a fee to file a claim or expedite a replacement, however.
In the future and on live servers, the plan is for various insurance plans to be available to players to purchase for their fleet of ships and vehicles.
As in real life, insurance policies must be maintained:
- You must pay a regular fee in galactic credits or your policy will lapse.
- If your policy lapses, you will not be able to file a claim to receive a payout or a ship replacement when your ship is destroyed.
CURRENT ALPHA BUILD INSURANCE:
How do I file an insurance claim?
To file an Insurance Claim:
- Visit an ASOP terminal.
- Browse through the ship list to find the vehicle or ship you need to file a claim on. Remember, file a claim on your vehicle first, ship second.
- Click Claim.
- On the next screen, you should see the location and status correctly.
- Click File a Claim. A claim is entered!
To expedite, access the ASOP terminal and the entries again to expedite.
If you have trouble filing a claim, try switching regions and filing a claim again.
- Exit the Persistent Universe.
- In the Crusader menu, select the Region.
- Select a different region.
- Enter game and try filing a claim.
How do I get lifetime insurance (LTI)?
Anyone who pledged for a copy of Star Citizen before November 26, 2012 automatically has lifetime insurance on their pledge ships. This protects the pledge ships within the game in perpetuity.
Anyone who pledged for a copy of the game on or after November 26th starts with a finite insurance package for their ship. This can be anywhere from 2 months to 12 months depending on the ship and policy type.
Lifetime insurance may also be included in certain “concept promotion phases” of ships. Any other pledges will not have lifetime insurance as an option. Other insurance options will be available in game.
Lifetime insurance does not currently exist for ship/vehicle modifications or cargo.
Can I trade my LTI ship?
Yes. The lifetime insurance follows the ship hull when it is legally sold or gifted. If the ship is later stolen or otherwise captured, the policy will not transfer.
Will insurance carry over to ships I earn in the finished game?
Insurance policies will be purchased on an individual basis for each ship. Having lifetime insurance available for your pledge ships does not mean that you will also have lifetime insurance on ships that you purchase later using in-game currencies.
Will my insurance carry over to ships I have upgraded?
When you upgrade your ship or change the model entirely using a Cross Chassis Upgrade (CCU), only the relevant ship within the pledge with be changed. All the original contents (game package, starter credits, etc) attributed to the package remain unchanged. This is noted on the Ship Upgrade page. You cannot exchange the insurance during a ship upgrade.
Currently, all insurance plans for ships cannot be modified or upgraded and there are no plans to change this. When you upgrade the ship, it retains the current insurance on the pledge. We cannot move or change the insurance on your pledges.
My pledge comes with 2/3/6/n month insurance. When does this time start?
The insurance period included in many pledges available now that do not have LTI will have some other duration as indicated in the pledge details. This time will not begin until the game is live and out of testing altogether.