How/Where do you buy insurace?

[Snowdog]

Also are the guns you buy insured? Can you either explain or point me to a post that does?

For instance , I have a sidewinder that I put gimballed lasers on and they are not very good (after the patch) Could I get myself blown up and buy different weapons with the insurance money or am I stuck with my under powered weapons system now?

Sorry, I am sure this has been answered before, I must have missed it.

 

[Yaffle]

Game insurance is not like real life.

You just pay the excess, not the premium. You already have the insurance. The excess is 5% of the ship's hull plus 5% of the kit you've put on.

 

[Snowdog]

So the insurance is part of the initial cost, in other words it is included at time of purchase even though I do not see it on my invoice

 

[Argon]

You just have to make sure you do not spend all your money and have enough left to pay for the 'old load out' or what it's called.

 

[Yaffle]

So the insurance is part of the initial cost, in other words it is included at time of purchase even though I do not see it on my invoice

That's it.

I think the "lore" explanation is that it comes with your Confederation of Pilots (or whatever it's called) membership.