Does the insurance just cover the hull or also fitting?
Does it make a price/payout difference, if I insure an unfitted ship, or do the fittings add value?
Best Answer
Fittings are completely ignored, the insurance payout is only calculated based on the ship itself. You can't insure module loss.
This is pretty much the reason why insuring a T1 frigate is usually a waste of time as the ship hull is only a tenth of the actual price of the entire ship with modules. Insurance is very useful on larger T1 hulls, though.
Another important aspect of insurance is that T2 ships get a much smaller payout than the actual price of the ship.
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Answer 2
Your ship's fitting is completely ignored.
Also keep in mind that faction ships have very little payout! The less the tier of the ship better insurance works.
It is always good idea that you insure ship when it is giving good payout. Especially true for combat ships. And more important if you are new to game. Because you will lose ships while learning how to play. Also look at your wallet before buy a new ship. Never fly ship, that you can't afford to lose, because you will lose it sooner or later.
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