Insurance (Game Mechanics)
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Game Mechanics - Mechanics Category
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Game MessagesInsurance Messages
InsuranceAs 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. PvE (player versus environment - this is what you're doing when you're hunting) deaths ALWAYS give you decay. If you aren't insured, your items will decay by 5% of their maximum condition. Insured items only decay by 1% when you die. 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. You also won't decay if your items are insured and you are killed by another player (PvP).
How decay is supposed to work:
Thing that will decay (under this system) and/or Can be insured
Using An Insurance TerminalSource References
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