Re: Insurance and Shipping?
There is always the risk of course that insurance doesn't cover you for what you expected.
Generally there are exceptions for "Acts of God", Civil Unrest, acts of war (whether war is declared or not) etc. Pretty much the sort of reasons players would loose their vessel.
Even with an insurance policy, you probably need a character with Insurance Law as a specialism to actually be able to get them to pay out on a claim. Players will try to preempt it all by examining the policy in detail, but in reality no-one really does and without the full knowledge of the relevant incident it will all be non-specific anyway and thus of limited value. They will need evidence to support the claim, police reports, manifests etc.
An insurance claim might be an adventure in itself (and probably should be if the loss came about from player foolishness rather than bad luck or referee caprice).
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