Meh. Really meh. If I'm promised an insurance discount, I expect that to include the entire ship, not just the hull.
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Means "insurance is covering 98%" (as opposed to 95% IIRC, or 96% for beta backers). But it only applies to the hull now, making the discount almost entirely pointless.
Not sure that's huge issue. I always viewed insurance discount as something I personally don't want as I don't plan to die that often for it to be useful. With loan system this is non-issue for newcomers, and with expierence and hoarded money it is usually non-issue for experienced alpha/beta testers.