Cloning 7 (Source)

THINGS TO DO FIRST

Once you're familiar with using your overhead map, it's time to find the cloning facility. Cloning is a great way to safeguard your character's health and possessions.

When you clone in a city, you are effectively binding your character to that location, which means that if you were to die (and as a Novice, you receive three freebies, meaning you will not have to activate a clone until your third death), you will return to your city's cloning facility, with more health than if you were to clone to another location.

In addition, you will see there are Insurance Terminals in the Cloning Facility. You do not have to insure your beginning items (such as clothing and weapon, for example), as you can see by selecting to insure one item at a time. The beginning items will have a credit cost of zero, meaning they are already insured.

NOTE: Each time you activate a clone after death, you will need to re-insure items in your inventory that you wish to keep. Any items not insured will remain on your corpse.