What wait now...
Ingame insurance only saves you your CURRENT ship/config/upgrades/equipment right?
If you dont have insurance and it is destroyed, you can still use the ship, but youll only have it in default setup.

Isnt this how insurance will work? If its the other way, that makes the ship disappear entirely and you have to pay real money for it again, then its just #%&*$# disgusting...