User:Glazedham13/Insurance

Insurance
Insuring your items is an option you are given when you play as a PMC. It gives you a percent chance to recover your items if you are killed in a raid. There are some key points to go over here so I will list them out.
 * Insured items can take a long time to return, upwards of 1-3 days
 * Insured items are ONLY returned if they are not stolen off your body by another player
 * Insured items can return if they have been ditched somewhere, they don't have to be on your body
 * Insured items increase in cost to insure depending on the level and rarity of the item (ex. a scav vest is dirt cheap to insure but a fort armor is almost not worth it to insure)

This means it is viable to toss off insured items you are wearing in favor of better ones. Find a better armor in raid? Toss your janky one off into a bush and pick up the good one. You'll get yours back again... eventually.

Which Vendor to Use?
The in-game NPCs are the insurance vendors as well. Currently, Prapor is the most efficient and basically the only one anyone ever uses.

Maximizing Insurance Returns
Here are some things that I found useful for getting my items back.
 * Most players probably don't have room to loot your entire armor or vest, so those come back pretty frequently
 * Having a MASSIVE weapon makes it harder to pick up, bonus points for it being a low/mid tier weapon (ex. I have a Saiga 12g shotgun that takes up 12 inventory slots, I get it back all the time)

Labs
Do not insure your gear if you are running Labs, it doesn't work.