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Insurance Messages
Insurance SUI Prompts

Insurance & Item Decay

As a new player, you have three "free deaths" before you are required to insure your items. After that, you will take decay on your clothing, armor other non-weapon items each time that you die. Decay only occurs when a player chooses to clone themselves after dieing. If a player is revived prior to releasing to a cloning center, then they will not suffer item decay. Starting items are automatically insured and cannot decay, no matter how many times the player dies.

If you aren't insured, your items will decay by 5% of their maximum condition. Insured items only decay by 1% when you die. PvP Deaths (deaths from other players or by factional npcs and pets) will not cause any decay at all if items are insured.

For example if an item is at 1000/1000 condition and a player dies while uninsured then the item's decay will now be shown as 950/1000 or 95%. After a second death while uninsured, the item will be 900/1000 condition, and so on until the item is completely destroyed at 0/1000 condition.

Each item in your inventory has condition - both a current value and a maximum value. When an item reaches 0 condition, it "breaks" and is neither repairable, nor useable.

Some items, such as "loot", unequippable items (junk and ornaments), or resource containers (your hide, meat and bone) don't take decay.

Insurance travels with a player from destination to destination, meaning if a player insured an item on Tatooine then when they die on Dantooine, the item wont suffer decay. Items do however, have to be re-insured after each cloning.

Item Decay Notification Prompt

How decay is supposed to work:

• 5% on death with no insurance

• 1% on death with insurance

• No decay on incapacitation

• No decay on death with insurance from PvP opponents (including npcs and pets)

Also, anything on your person will be hit by the decay. It does not have to be equiped - Items in backpacks and containers on the character will also decay if the player is uninsured. The exception are items found inside of a droid's item storage compartment. These items will not suffer decay.

Thing that will decay (under this system) and/or Can be insured

• Armor

• Tools - both survey and crafting

• Clothing

Things that will NOT decay under this system and/or has a seperate method of decay

• Weapons

• Resources

• Consumables - stimms, spices

• Deeds

• Misc objects - data disks, broken dapatads, etc.

You can confirm what items are currently insured by checking your inventory. Anything currently covered by insurance will have an orange 'i' in the corner.

Using An Insurance Terminal

You can purchase insurance from the insurance terminals inside of a cloning facility. You have the option of selecting individual items to insure or to simply insure all of your items. Note: Depending on the number of items you have and their value, insurance can be expensive.

Insurance Menu Prompt

To use the insurance terminal, one simply has to click on its radial and two options will appear, Insurance Menu and Insure All. Clicking on the Insure All option allows the player to bypass individually selecting an item for insuring and instead gives them the chance to insure every item in their inventory at once. Double clicking on the terminal or simply pressing the Insurance Menu option will bring up a UI prompt listing each valid insurable item in the player's inventory along with the cost of insuring that particular item. Players may click on the item then click on the button to confirm their choice and insure the item. Each item is insured separately. Items cost 100 credits to insure. When using the Insure All menu, the player will be given another prompt verifying if they wish to proceed with this decision. If the player clicks yes then all items are insured and the credit fee will be paid.

To check the status of an item, the player simply has to open their inventory and browse the items to see if any have an orange "i" icon over the item. If this is present then this indicates that the current item is insured.

Insurance Terminal Locations

• Corellia
• Dantooine
• Dathomir
• Endor
• Lok
• Naboo
• Rori
• Talus
• Tatooine
• Yavin IV

Source References