Then where does Gallactic Insurance get stockpiles to distribute all over the galaxy for those in need of immediate replacement after a claim?
A good question, and one that FD have never really answered. It could be that the insurance company somehow happens to have sufficient connections to the Engineers to be able to obtain them, or it could simply be that they pay hundreds or even thousands times the normal price to obtain these modules on the black market. Maybe even the Engineers approach them to provide replacements if they detect that one of their beloved creations has been destroyed?