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		<title>Insurance 2 (Source) - Revision history</title>
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		<updated>2026-04-06T02:46:53Z</updated>
		<subtitle>Revision history for this page on the wiki</subtitle>
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		<id>http://wiki.swganh.org/index.php?title=Insurance_2_(Source)&amp;diff=49689&amp;oldid=prev</id>
		<title>Ready: New page: TheRealSwae wrote: First off, we realy need a newbie board here so people like me dont clutter the other forums asking questions. I just spent 2 hours searching the forums for an answer on...</title>
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				<updated>2009-02-09T02:56:07Z</updated>
		
		<summary type="html">&lt;p&gt;New page: TheRealSwae wrote: First off, we realy need a newbie board here so people like me dont clutter the other forums asking questions. I just spent 2 hours searching the forums for an answer on...&lt;/p&gt;
&lt;p&gt;&lt;b&gt;New page&lt;/b&gt;&lt;/p&gt;&lt;div&gt;TheRealSwae wrote:&lt;br /&gt;
First off, we realy need a newbie board here so people like me dont clutter the other forums asking questions. I just spent 2 hours searching the forums for an answer only to find gripes about insurance costs. The manual is all wrong and so is the holocron.... *clears throat*... update please.&lt;br /&gt;
&lt;br /&gt;
Okay, if someone could just make a concrete fact guide and sticky it, yeah, that would rock. This is realy important info, much more important then all the cheat sheets you wimps use. mwhahahaha.&lt;br /&gt;
&lt;br /&gt;
Or, just answer these questions =)&lt;br /&gt;
&lt;br /&gt;
1) Death- Are there any penalties for death? If you die a whole bunch o times does that have an affect? Do i lose stats? Skills? money?&lt;br /&gt;
&lt;br /&gt;
Besides wounds (if not cloned), and decay (if not insured), there is no penalty for death other than inconvenience.&lt;br /&gt;
&lt;br /&gt;
2) Cloneing- What does cloneing do for you? I know that its nice to know where you will spawn, and the reduced amount of wounds is also groovy. But is there anything else?&lt;br /&gt;
&lt;br /&gt;
Cloning sets your spawn site, and saves you 100 wounds to all primary stats and 100 battle fatigue, which you would gain on death if you were not cloned.&lt;br /&gt;
&lt;br /&gt;
3) Decay- Holy crap can i get some ArmorAll? lol, jk.. How does this work? Does every hit i take reduce the condition? What amount of decay does death cuase?(i know i have had more then %5)&lt;br /&gt;
&lt;br /&gt;
Armor takes damage on every hit to that particular piece (ie, armor pants damaged on a leg hit), based on the amount of damage it lets through. If you are killed in a PvE death against a non-factioned enemy (ie, a critter, or any NPC who is not a Rebel or an Imperial), your armor decays by 5% if you were not insured, and by 1% if you were insured. If you are killed in PvP or by a factioned NPC, there is no decay if you are insured (5% if you are not).&lt;br /&gt;
&lt;br /&gt;
4) Insurance- What does insurance do?(reduce decay to %1, if so, and thats it, the system sucks)&lt;br /&gt;
&lt;br /&gt;
See above&lt;br /&gt;
&lt;br /&gt;
5) Repairs- Is anyone better at doing repairs or is it just the tool? Will being by a Armor crafting(ie) station make repairs go better? Everytime i have repaired i have either killed the item or reduced its overall quality... is the best i can do?(if so, i will always be broke and unarmed/armored)&lt;br /&gt;
&lt;br /&gt;
To my best knowledge, no one gets a bonus to weapon or armor repair. It's a roll of the dice based on the quality of the tool only.&lt;/div&gt;</summary>
		<author><name>Ready</name></author>	</entry>

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