I can't imagine insurance companies replacing items that were lost during the commission of a crime. Can you explain how insurance will work for pirates and outlaws?asked by Flashbolts

So I doubt that you'll be able to get insurance on items or your cargo as a pirate, right? So you could probably get hull insurance, and I think there'll certainly be some level of pirate insurance syndicate that you can go to that would cover the more morally challenged members of our community. But in general, I think we've talked about there's three levels of insurance. There's just hull insurance. So one of the concepts with the standard hull insurance or the lifetime insurance that we originally had, and really they're the same thing because it's the same coverage of your ship and you get your ship replaced. The only difference is you don't have to renew your lifetime. Every ship you buy comes with insurance. It's just that after a few months of play or whatever, you just have to pay some more UEC to keep the insurance policy up, just like you would on your car, right? You would keep the insurance going on your car. But we have three levels of insurance. So you have the basic hull insurance, and then you have the customization item insurance, which basically would cover all the extra stuff that you've got on your weapons and all that. And then there potentially is cargo insurance, which would insure the cargo you take. The item and the cargo insurances are optional insurances and they'll cost you extra money, and if you lose your stuff then you're covered, but the optional ones are more constrained than the basic hull one, because basically it's not fun to go out there with your ship that you're all excited by and then it gets blown up right away and then I've got nothing to play with. You want to make sure that someone always has their ship, but you want to have some risk if you're going out with your highly customized ship or cargo into a dangerous area and you could get destroyed, attacked, whatever. And so in that particular case, the insurance policies you could get for those classifications of items or cargo don't apply everywhere. So I think we've talked in the past that in the most dangerous areas of space, like the outlaw fringes where you'll be dealing with the most dangerous pirates or whatever, in that case, you just probably won't be able to get cargo insurance. It'll be like, okay, you're rated for blue systems or below, or you're rated for orange systems or whatever. That's kind of the way the cargo and the item stuff will work. So I think it's unlikely if you're a pirate that you can get an insurance policy to cover all the knickknacks you have on your ship. So you're dealing in a slightly more risky world. But then again, we're trying to make it so when you're in that risk situation, there's a lot more potential upside and reward for players, so that you are risking something, but you can obtain and get things quicker in that method, or more valuable things than you would if you're staying in the safe area of space.