Insurance

Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.

=Insurance companies=

There are several in-game companies that provide both health and property insurance. For a complete list visit Insurance companies.

=Insurance products=

In Star Citizen players will be able to insure properties from loss. That includes player characters, cargo, ships and homesteads.

Ship insurance
Pilots in Star Citizen will be able purchase insurance policies in-game for their fleet. This ensures that your ship will be replaced 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 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.

Should your ship or vehicle be destroyed, stolen, or stranded halfway across the 'verse from you somehow, you will need to file a claim to replace it. Alternately, filing a claim on a ship can function as a work around to resolve some ship-related bugs, such as the doors not working for some reason. Be aware that doing this will carry a UEC cost for the service!

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!

Homestead insurance
Homesteads in registered land claims will be able to be insured.