How will the cost of insurance scale in relation to ships? Will an M50 cost more to insure than say a Constellation because the M50 is designed for a much more dangerous usage i.e. racing versus cargo hauling? Or will it be based on size or ship price?asked by Col. Shaggy

First of all, all ships come with insurance, so it's not like you have to separately go and buy insurance for each ship, you'd just have to "re-up" your policy I guess if you don't have LTI, which won't be very expensive to do in the PU. Unless of course you "obtain" a ship in which case you'd probably have to get insurance separately. I guess the cost of insurance will be factored the same way it does in the real world, with the cost of replacement (and age) playing a part, as well as some component of what activities the ship is likely to be involved in (and the risks thereof), just like IRL a sports car tends to be more expensive to insure than a family wagon, or a caravan, because the sports cars typically drive faster and potentially get into more accidents. We haven't figured out 100% what we'll be doing with the insurance premiums, but we know we want to make it affordable. So while it'll be more expensive on bigger ships, you should be able to make more money with bigger ships (carry more cargo, win more space battles, take more salvage etc) so it'll all be proportional.