When I started writing this post, there were 30 pages, there were 46 when I posted.
Ship transfers is an underdeveloped idea, it nevertheless represents a desire from the playerbase to fly any ship they damned well please. It requires a rethink of why this desire exists and how things are done right now.
Right now a ship is said to be parked in the station where you bought and flew away in another ship, there are a few problems with this way of thinking.
From the station managers perspective. He is not interested in you parking your boat in his station for any length of time, "no loitering" deathbeams you see. He certainly isn't going to put that boat of yours in a cargo bay for some undetermined amount of time, hell, after the first week the FSD would have been stripped to the frame by the more unsavory elements aboard the station. You always park your ship in a station with a shipyard, the manager is already half-way through dismantling your old ship and handing you a voucher by the time your new ship spin around on the docking platform. A voucher that entitles you to a ship hull with an assembly of potentially custom modules.
This ship voucher may as well be a blueprint schematic that you as a player carry with you. You can instruct a shipyard to create the ship from the blueprint, and depending on the technological advancement of the station/shipyard you may have to pay upward of 300% of the cost to have it built. Inversely, if you are in a system with well developed infrastructure and a good suply of components you may see discounts down to 20% of the ship's cost. It would depend on the amount of player activity shipping the components the shipyard requires.
There won't be a delay on ship creation, and ships can now be sold and bought in order to
1. Provide materials at a station needing them: You get paid more for selling your ship.
2. Suck up surplus from a station that has too much: You don't pay as much for buying the ship.
3. Create a supply chain from industry to shipyard.
Insurance would be the appropriate fraction of the full ship cost as it is right now, representing galactic average.