As a lot of people have engineered modules, and not being able to pay the insurance is more than a credit problem, I suggest the following...
If you can cover the insurance, fine, no changes.
If you can't pay the insurance, have an option to take out a loan for the total cost of the ship (not just the 5%) to be able to buy it back at full price and keep all the engineered modules. Optionally charge 10% interest per week/month.
If you can cover the insurance, fine, no changes.
If you can't pay the insurance, have an option to take out a loan for the total cost of the ship (not just the 5%) to be able to buy it back at full price and keep all the engineered modules. Optionally charge 10% interest per week/month.