Insurance allows you to retrieve any items that have not been extracted from a raid, with a delay.
You can only insure gear items (like weapons and armors), containers (a Key tool, a Documents case or an Item case) and intel items (keys and paper maps). Consumable items (Food, Meds or Ammo) cannot be insured. However, there are exceptions to the insurance system which should not be ignored.
Secure containers, the Compass, Melee weapons*, and Armbands can not be insured nor be looted from your body upon death as long as they are equipped in their appropriate slot, and do not need to be insured.
- Except the Cultist knife
Insured items have a thick yellow outline around the stash space they occupy.
Except for raids on The Lab, make sure to always insure the gear you go out with using the Insurance Screen, just before entering the lobby. You can click on the "Insure All" button to make sure that you select all of your belongings. To confirm, press the "Insure" button just above "Ready". You can choose to insure with Prapor or Therapist:
It is also possible to insure items directly in your stash by simply right clicking on the item, and then selecting "Insure". You can then select which insurer to use. It should be noted that if you insure a container, everything inside that container will also be insured as well. This can be used as a quick method of insuring multiple weapons, mods, or other items all at once. Any items insured using this method will show up in the pre-raid insurance screen.
- Prapor is cheaper and returns your insured items after 24–36 hours. You have 4 days (96h) to collect the returned items.
- Therapist is 1.75x more expensive but returns your items after 12–24 hours. You also have 6 days (144h) to collect the insured items instead of the 4 that Prapor offers.
The insurance return times become the following:
The Hideout management skill further reduces the return time on lost items by an additional 1% per level in the skill.
Use the insurance system, even at a low level: There's always the chance that your killer won't loot you, or leave it behind as they find better gear. If an AI (Scavs, Scav Raiders or Bosses) kills you, there's a high chance you'll get everything back.
Your insurer will contact you a few hours/days later to let you know what came back. You can then claim the items from the messenger tab. If you do not claim them in the available collect time, the insured items will be lost.
A side-effect of insurance is the ability to differentiate your items from looted items. This can be useful when looting a body with the same magazines as yours, but different ammunition that you may not wish to use.
Discarding insured items into an obscure or hidden location can help prevent them from being taken. This makes it more difficult for other players to loot since they will be a lot harder to find if they're not on your corpse. It's good to do this when guns or magazines you have insured are out of ammo.
Ending a raid with the Missing in Action status will not bring back insured equipped items. The Missing in Action status can be achieved if:
- You do not extract before the end of the raid
- You die from dehydration
If you do not think you are going to make it to the extraction point in time, you should throw away your insured items.
Non-insured items inside insured containers
- If you insure a magazine with ammunition inside, you will only get the magazine back. In the same fashion, an insured backpack or chest rig with medical items inside will not yield the meds back.
- If an insured container is lost, and contains an uninsured item (for example, a backpack containing a weapon you looted), the uninsured item will not be brought back with the container.
- Insurers will not bring back items lost in The Lab.