Have a "Safe Flyer" Insurance Discount

Basically, the more you fly without dying (and thus not making an insurance claim), the cheaper your insurance "buy back" cost is until you reach some pre-determined lower limit such as 50%. The more you die and use the insurance, the more expensive it becomes, until you reach an upper limit such as 125%.
 
All I'd have to do is do nothing for a little while so my insurance was nill and then I'd go out and fly with no concern to losing my ship. This is a terrible idea.
 
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