Elite Dangerous: Insuring your ship - info and explanation

The ship insurance protects you from the complete loss of your ship in Elite Dangerous in the worst case scenario. We explain how to insure your ships and what it means for your finances.

Included in the purchase price: Your ships are automatically insured for 95 percent.

Thanks to insurance, you don't have to worry about a total loss in space, even with expensive ships.

Elite Dangerous: This is what ship insurance costs

The ship insurance works as follows:

• When you buy a new ship, it is automatically insured.
• However, this insurance only covers 95 percent of the value. So you have to pay the remaining 5 percent if your ship was destroyed and you want to restore it.
• This "own contribution" also includes upgrades. The value of your ship increases as a result, and so does the insurance value.
• For example, if you upgrade your ship for 20,000 credits, buying a new one after a loss would be 5 percent, or 1,000 credits, more expensive.

It is therefore advisable to always make sure that your remaining account balance is sufficient for the increasing insurance value when upgrading.