Why Lifetime Insurance matters in Star Citizen
New system highlights
The updated system introduces claim timers that reflect manufacturing complexity, plus transferable warranties with cooldowns.
Why LTI still matters
Even with more robust in-game insurance systems, LTI remains attractive because it reduces management, recurring cost pressure, and long-term uncertainty.
The Role of Lifetime Insurance (LTI)
LTI is a coveted feature tied to pledge ships obtained through special promotions or website sales.
How the system works
As Star Citizen’s systems evolve, insurance, warranty, and LTI create different levels of protection, convenience, and long-term value for players.
Insurance levels
Insurance coverage can extend from the chassis only to custom components and even decorative items, depending on the level.
- ✓Level 1 covers the ship chassis.
- ✓Level 2 extends to custom components.
- ✓Level 3 adds decoration coverage.
Warranty
Warranty determines whether you receive direct replacement after a claim or just credits to repurchase items yourself.
- ✓With warranty, replacement is direct.
- ✓Without warranty, compensation may be credits.
- ✓Higher-tier warranties can be earned in game.
The role of LTI
LTI is tied to specific pledge ships and provides permanent chassis and stock component protection without renewal requirements.
- ✓Permanent duration.
- ✓Permanent warranty on qualifying stock setup.
- ✓Can be enhanced with higher in-game coverage.
The Role of Lifetime Insurance (LTI)
LTI is a coveted feature tied to pledge ships obtained through special promotions or website sales.
- ✓Provides permanent coverage for your ship’s chassis and stock components, with no need for in-game renewals.
- ✓Ships with LTI automatically come with a warranty that guarantees full replacement of the chassis and stock components at no additional in-game cost.
- ✓Players can enhance their LTI by adding Level 2 or Level 3 insurance in-game, covering custom components and decorations without voiding their LTI.
New System Highlights from CitizenCon
The updated system adds immersion and new strategic decisions around reclaims and warranty use.
- ✓Claim Timers Reflect Crafting Times: reclaim time aligns with the complexity of manufacturing.
- ✓To mitigate long claim times, CIG will provide shuttle ships for temporary use.
- ✓Transferable warranties are rare, earned in-game, and can be moved between ships with cooldown periods.
Risk, Payouts, and Pledge Ship Benefits
The new system also makes uninsured risk more visible while keeping pledge ships attractive through extra benefits.
- ✓Ships operating without active insurance face permanent loss upon destruction, with clear in-game warnings before deployment.
- ✓Insurance payouts will reflect the ship’s wear and tear at the time of destruction.
- ✓Pledge ships purchased through CIG’s website come with permanent warranties and can be upgraded with Level 2 and 3 insurance in-game.
Ready to secure your fleet?
Lifetime Insurance remains one of the most convenient ways to protect qualifying pledge ships while Star Citizen’s broader insurance systems continue to evolve.
- ✓Ease of Use: No need to track or renew insurance durations.
- ✓Cost Savings: Lifetime coverage eliminates the recurring expense of insurance renewals.
- ✓Future-Proof: As customization options expand, LTI ensures a solid foundation of security, with flexibility to upgrade coverage as needed.