There's in-game insurance, everyone and anyone can get it for any ship. Some of the pledges have it as a bonus so you get it for free for that ship or for a fe

There's in-game insurance, everyone and anyone can get it for any ship. Some of the pledges have it as a bonus so you get it for free for that ship or for a few months. If you get destroy you can get everything back for basically nothing and faster. Insurance isn't that big of a bonus but it solidifies your pledge. You tend to see lifetime attached to higher priced or rare packages/pledges. Which is a good message to send to backers that are willing to hand over 500+