LOLI had to use it when I was 8k short of rebuy of my viper when I accidentally boosted when I meant to lower landing gear (damn updates erasing my custom controls)
DD made my day 
What happens if I can't rebuy my old ship back? Will I have lost... everything?
- Thread starter Mikkel Toxwenius
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DD made my day 
Well, that's it. Save wiped, and a new game with Cobra pirate option has begun. My last playthrough didn't get me nothing but bad rep and bounties, so here's to the dawning of a new era
Who would pay a fine then?
New player here
So what you're saying is....there's no policy to buy? Your ship blows up and, assuming you have the required credits, your ship respawns?
This.
If losing a cobra will make you quit, it's best you follow the above advice strictly from now on. Losing a few hundred thousand to a million credits is nothing compared to later in the game.
At any rate, if you're only 22k short, get a loan.
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It doesn't respawn, the station will give you a new ship and new modules that you chose on the death screen.
Well, that's it. Save wiped, and a new game with Cobra pirate option has begun. My last playthrough didn't get me nothing but bad rep and bounties, so here's to the dawning of a new era
+rep for being a trooper about it man.
The insurance works as Jorlin described. And if you do not have the required credits to pay the 5% you can still normally loan the rest up to 200K. Of course later in the game when you get bigger much more expensive ships, 200K wont get you far.It's a tricky system, and that is why it is true that you must always keep a cash reserve of at least twice or trice the 5% value that you need to pay. Else you'll loose the 5% like I did (which of course was also much influenced by me having a 194K bounty on me head. I didn't know/expect that I would have to pay for this bounty FIRST before getting insurance. So even when I had the normal 5% in cash, I didn't factor in my 194K bounty; that was basically what killed me).
In summary I think noobs need to have the option of getting a tutorial in how insurance works, also the part about bounties. Just to save a lot of grief for newer players.
yeah - i just had an asp rammed to death - back to sidewinder from 10 mill... no way around it.
no point me even trying to express how much this aint right it'll get me yet another reprimand from the waterboys no doubt... but it is easily the only real reason why the one player really aught to be. Need that last save like the good ol days. i'm not the type who can bear grinding up cash on trade routes for ever n a day, it's too -Squibsafe- much like an actual job. So a 10+ mill mistake is basically a week, maybe 2 of my meandering two steps forward one step back style of play.
what really errr grinds my gears... cant even use available cash / loan to nab your parts for reuse/resale the ship only cost 6 odd mill right - last time i checked it was worth 9+ and i had a mill n change in cash, which of course was stock when i had my accident. i promptly rage quit when i realized i was starting from scratch again, but i'm assuming when i log back in the mention of cargo insurance is stil basically meaningless so i'll have no seed cash either...
i think i'm off to kill every slaver i can find - which reminds me - the slave related jobs, if you're supposed to be handing slaves over for freedom, why can't you hand in stolen ones, do stolen ones have scurvy or something - so then i spot the, free em and the we need new workers and will pay you for em jobs next to each other on the same board posted by the same organisation i assumed the charity job's lie and sellemall at freeports n imagine they'll be free there. anyways - any real option for setting slaves free - aside from destroying all the canisters n freeing em to dark matter...
guess ill go for the wipe and try for the combat elite prizemoney afterall. actually i wonder it that's even plausible, def can't keep up with q3 anymore...
ps - got rammed to death by another ship, why's there still an empire bounty of 77k on me, surely that's been earned by someone?
no point me even trying to express how much this aint right it'll get me yet another reprimand from the waterboys no doubt... but it is easily the only real reason why the one player really aught to be. Need that last save like the good ol days. i'm not the type who can bear grinding up cash on trade routes for ever n a day, it's too -Squibsafe- much like an actual job. So a 10+ mill mistake is basically a week, maybe 2 of my meandering two steps forward one step back style of play.
what really errr grinds my gears... cant even use available cash / loan to nab your parts for reuse/resale the ship only cost 6 odd mill right - last time i checked it was worth 9+ and i had a mill n change in cash, which of course was stock when i had my accident. i promptly rage quit when i realized i was starting from scratch again, but i'm assuming when i log back in the mention of cargo insurance is stil basically meaningless so i'll have no seed cash either...
i think i'm off to kill every slaver i can find - which reminds me - the slave related jobs, if you're supposed to be handing slaves over for freedom, why can't you hand in stolen ones, do stolen ones have scurvy or something - so then i spot the, free em and the we need new workers and will pay you for em jobs next to each other on the same board posted by the same organisation i assumed the charity job's lie and sellemall at freeports n imagine they'll be free there. anyways - any real option for setting slaves free - aside from destroying all the canisters n freeing em to dark matter...
guess ill go for the wipe and try for the combat elite prizemoney afterall. actually i wonder it that's even plausible, def can't keep up with q3 anymore...
ps - got rammed to death by another ship, why's there still an empire bounty of 77k on me, surely that's been earned by someone?
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yup - cos it's not insurance, if there was a payable premium on a ship to not have to go from 10+mill to a sidewinder and 20k after one ding idve bought it... i was winning that fight too shields were up, i'd hit a booster not 5 seconds before. so functioning insurance as we know it would be nice. Or a checkbox somewhere to bank the required respawn costs for at least the chassis, power, coupler n gunz - or a renewable every mil you spend on it. Cos as it stands, once you've get anything above a t6, if you're taking risks and playing all out from time to time, you've no option but buy a second one to fall back on at those times a coin flip goes against you before you even take the first one out...
it's this exact "o you slipped up, go grind it back for a week or 2" pants that's keeps me away from mporgystylenonsense
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Thanks! I found out that you can relatively quickly get back on your feet. I ditched the pirate game and started a new game with the cobra mk3 explorer special start. Since then I have made about a million credits smuggling onionheads more than 160Ly, exploring outside inhabited space, finding pristine asteroid belts with silver, gold, palladium and platinum.
I just died, because I had to react immediately to a IRL situation. Unfortunately I don't have cash now to rebuy my ship.. need and additional 2256Cr
This should be lesson for everybody: don't ever leave the dock without enough cash to rebuy the ship.
Also don't forget that any fines must be paid when your ship gets destroyed before you can use the insurance. In my case my 194K fine + the price to rebuy exceeded both the 200K loan and my small cash reserve of 19K.
I know how you feel. Brand new Asp was rammed into the back of the station by the docking computer. Not enough spare cash and the loan is capped at 200,000 Cr. so back to the start for me also. Hard lesson to learn!
So i am gonna quit this game because it is too stupid how the insurance works. I have 1.7 million in account but cant rebuy my python for 4.4 million. Why can't i use the money from account+loan to rebuy my ship? This is so stupid. Would be usefull if there was a bank account where to store your money for accesing it after u die, in that way u would have some credits to use after u get killed. Losing all your money after getting killed is pointless. I mean if u get killed, why not losing all the reputation and the ranks you achieved along the money and the ship + the other ships that u have stored on other stations? Why only the g credits and the g ship? This is pointless to play like this. Have a good day
Ian Phillips
Volunteer Moderator
Epic necro.
Closing.
Closing.
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