Insure Your Starship!  Cloud Imperium posts Star Citizen update
with explanation on ship insurance  Nothing gets me excited
about an upcoming MMO like the mention of a nice, hardcore
sandbox feature. The folks at Cloud Imperium Games did exactly
that in delivering their most recent update on Star Citizen.
While the blog post serves as a general FAQ of sorts, the point
of interest to most will be the ship insurance.  Insurance? Why
would I need insurance, you might ask? Great question!  In most
modern MMOs, the penalty for your character dying or otherwise
losing a fight has become increasingly tame over the years. Rare
is the long race back to your corpse in hopes of saving your
items or gold.   But in more hardcore and typically sandbox-
style games, there's usually much more at risk. In Star Citizen,
it's a form of "perma-death" in that if you lose a battle and
your ship is destroyed, it's gone. As in, you can't just revive
at a graveyard, pay a small penalty and get back on your merry
way. Your ship is gone