Does it make a price/payout difference, if I insure an unfitted ship, or do the fittings add value?
Does the insurance just cover the hull or also fitting
eve-online
Related Topic
- What happens to your ship when you log off
- Which frigate in Eve has the fastest sub-warp speed after fittings and skills
- How does ship agility work with entering warp
- What are the penalties for fitting multiple similar items in EVE Online
- What skills are required for a Dreadnought
- How does one calculate a ship’s agility
- Are meta 4 Heavy Neuts as good as Tech 2 Heavy Neuts
- What are the fitting skills
Best Answer
Insurance only ever covers hulls, whether it is the default insurance or purchased contracts.
Fun facts about Insurance in EVE
All ships have 40% insurance coverage by default. In addition you can insure your ship by purchasing an insurance contract, with a few details that you should pay attention to
You receive an amount of ISK that is defined by the following:
The ship type multiplier is used to make some ships more expensive to lose then others (for example; a Tier 1 battleship will have a multiplier of 1, therefore receiving the full benefit of the type of insurance bought, but a Titan may have a multiplier of 0.01).
This allows insurance payouts to scale along with fluctuations in the player driven market and minimizes the risk of insurance fraud.