Star Citizen guide #22: understanding insurance (claims, expedite, components)

Your ship blew up? Don’t panic: insurance gives it back. You just need to know how it works, and what isn’t covered.

Filing a claim

1. Go to an ASOP terminal (fleet manager) in any spaceport.
2. Select the destroyed (or lost) ship and file the claim.
3. A timer starts: when it ends, the ship is delivered and you can retrieve it as usual.

• Since Alpha 4.10, the wait depends on the ship’s value: a small fighter comes back fast, a big ship takes longer.
• Repeated claims no longer get more and more expensive.

Expediting

• You can pay to speed up delivery. The cost depends on the ship, and it’s capped.
• Useful when your friends are waiting; pointless if you have something else to do during the timer.

What isn’t covered

• Cargo: lost with the ship.
• Personal gear stored aboard (weapons, armor, items): lost as well.
• Components you bought and fitted: before heading out, check at the ASOP which loadout will be restored if you file a claim. Since Alpha 4.10, weapons count toward the claim cost.

Lifetime insurance (LTI) and durations

• Ships bought on the website come with insurance for a set period, sometimes for life (LTI) on older packages or certain offers.
• LTI only covers the hull and stock equipment, not modifications or cargo.
• During the Alpha, insurance duration has little day-to-day impact: you can claim your ships normally.

💡 Beacon tip: store your ship at the ASOP when you’re done playing instead of leaving it on a moon: it’s safe, and you won’t need to file a claim next session.

Read next: Your first ship · Fitting out your ship · Rookie mistakes

Written for Star Citizen Alpha 4.10.2 (October 2026). The game changes with every patch: if something has moved, tell us in a reply and we’ll update the guide.