I've never thought about it before, but indeed it seems we've got two different types of insurances here.Cmdr James wrote:It was so that if you ejected you would actually have a ship again.Disembodied wrote:I always thought that the insurance policy came with the pod. Or was this done to discourage players from "creating" too many escape pods?
The one you get together with your pod gives you back a ship like yours. It doesn't say, however, that if you're rescued from your pod your rescuer would be paid anything.
So perhaps there's some extra top-up insurance which makes sure your rescuer gets something, in order to encourage pilots not to sell rescued people as slaves. But then the question kicks in why the player isn't offered this top-up, and whether it wouldn't be better to have that a mandatory top-up anyway. Which brings us back to Disembodied's original statement: The insurance policy comes with the pod.
Therefore every pilot who is sitting in a pod must be insured.
But here's our solution: There are many non-pilots sitting in pods as well. Think of the multiple pods we have now. Only the pilot would have the ship-plus-rescuing-fee insurance. Everybody else wouldn't. Voilà!
By the way, this brings a rather dark edge to touristic cruises in the Ooniverse. Yes, there are escape pods for the cruise ship passengers in case something goes wrong. But no, they aren't necessarily insured, so the stranded passenger could end up being sold into slavery.