Insurance

Certain Items, Gear and Weapons, can be insured upon deployment. Insurance is used to compensate some value of lost items upon an untimely foaming upon Fortuna III. There are two main types of insurance; Standard Insurance and Gear Salvage (Premium Insurance).

Insurance flow chart.

Items may be insured before deploying.

Items keep their insurance after successful extractions.

Items lose insurance if dropped by a player, or evacuated by a teammate.

Insurance is given to the player after 45 minutes, or at the end of a server session.

Insurance is collected in the Personal Quarters. Up to 20 insurance packages may be collected before the inbox is full.

Standard Insurance

Pay a fraction of an item's cost to receive a fair sum back in the case of an untimely death. Insurance payouts are delivered to the Quarters.

• Paid in K-Marks
  • Costs 20% of an items value.
  • Returns 50% of value is returned when lost.
  • 30% total return

Gear Salvage (Premium Insurance)

In case of a failed evac, items marked for salvage might be returned to the quarters if the items weren't looted. If the items were looted, a compensation of K-marks will be returned to the player.

• Paid in Aurum or Salvage Tokens
  • Aurum
    • Aurum insurance cost scales per-item insured at once.
    • Costs:

$Aurum=10*(2^{n}-1)$

(n = the amount of items being insured)

• Salvage Tokens
  • Each item in "gear salvage" can be insured at the cost of 1 token.
  • Insurance tokens are a currency/item earned through the Fortuna Pass.
  • Prospectors start with 5 tokens at the start of each season.

• Despite the insurance being premium - players are returned the standard 50% of the items value, similar to Standard Insurance. But without the K-mark cost for a full 50% return vs 30% in comparison.
• Unlike Standard insurance, weapon mods are also insured when paying for a weapons Gear Salvage.

Gear Salvage Cost Chart

# of Tokens used → Cost in Aurum ↘ # of Gear in salvage ↓	0T	1 T	2 T	3 T
1	10	0	0	0
2	30	10	0	0
3	70	30	10	0
4	150	70	30	10
5	310	150	70	30