All options involve replacing the original ship with one that has LTI. If the ships a player has do not currently have LTI, then it is not possible to take out lifetime insurance on those ships. Essentially, all ships currently during Star Citizen alpha have lifetime insurance. Players should carefully consider the options when pledging.ĭuring Star Citizen Alpha the insurance on purchased ships (in-game or with funds) does not count down. This would also mean LTI would or could be a lot more valuable. Careless players could lose their ships and become space pedestrians.
It would also greatly reduce the ship accumulation and help maintain rarity (or increase). This would mean players would have to be a lot more careful about renewing their ship premiums. Just from a purely speculative perspective, the value of ships would be higher if they could be permanently lost. There is evidence showing that previous comments from the company about purchased ships being permanent is being edited, hinting that this is not at all confirmed and possibly not even the case. However, this has since possibly changed again or the position was not endorsed. While there has been much speculation it has been proposed that players would not be able to permanently lose ships purchased with cash.
Note: It has been mentioned that the ability to upgrade the chassis from the RSI website could be removed before the game launches. For example, if you use the cross chassis upgrade (CCU) from Cutlass Black with LTI to a Constellation Andromeda, the Constellation Andromeda will have LTI as the hull ID of the ship remains the same during a cross chassis upgrade. It is also important to note that cross chassis upgrading a ship will retain any lifetime insurance attached to the hull. Ships traded from player to player carry the insurance with the hull id of the ship and will be transferable. Insurance policies are attached to ship hull id and cannot be transferred from one ship to another. Different parts of the universe will have different risk ratings and traveling to dangerous places will cost a higher insurance premium for insuring valuables. Additional policies for upgrades and cargo will be rated based on risk levels. Ships and ship hulls will be replaced when an insurance claim is made but any cargo and and modifications will be subsidized. Insurance can be purchased for ship, modules, cargo, upgrades and modifications. Due to the fact that ship insurances range from a few months to years the frequency of payments will be low and thus almost a negligible expense in the game. Ships with lifetime insurance (LTI) will not have to pay the in game fees to maintain their ship’s insurance policy.
protects the investment you made in the game in perpetuity.” - From Insurance FAQ & Update Official CIG posts on insurance can be found in our sources section. The information compiled is not representative of any official information and is purely provided as speculative.
Please note that the content of this post can be seen as controversial. Information about Cross Chassis Upgrades (CCUs).
How much will renewing the ship insurance cost?.Can I lose my ship permanently if insurance expires?.How long will my Ship insurance last in Star Citizen?.How does insurance work during Star Citizen Alpha?.How does insurance work in Star Citizen?.This information is subject to change without notice as the game continues development. Disclaimer: The information in this article encompasses some of what has been discussed / considered so far by CIG.