A small delay of between 5 and 100 minutes would imply that you requested someone (or an AI) to be available at the port your ship was docked at and for them to fly the ship to you (fitting a fuel scoop first if required). This is potentially more unrealistic than instant and here's why I think so:
Rather than actually transfer your ship, how about you instruct the startport where you ship is docked to sell the ship and all the modules, transfer the credits to your account and those credits are then used to buy the identical ship and modules (assuming they were available) at your current location? In my mind that's more realistic.
Rather than actually transfer your ship, how about you instruct the startport where you ship is docked to sell the ship and all the modules, transfer the credits to your account and those credits are then used to buy the identical ship and modules (assuming they were available) at your current location? In my mind that's more realistic.