0081 — Ship insurance premium pricing

Status

Folded into FEATURES/gameplay/ship-insurance.md.

Context

Blesses the up-front insurance premium percentages (BASIC / STANDARD / PREMIUM, as a fraction of ship purchase value) as canon, resolving the last unset numbers on the insurance table. The premium table, worked example, and upgrade/no-refund rules now live in FEATURES/gameplay/ship-insurance.md; coverage and deductible percentages were already canon via ADR-0061 S-D3.

Related

FEATURES/gameplay/ship-insurance.md, ADR-0061 (payout formula S-D3), ADR-0029 (Warp Jumper non-insurable), SYSTEMS/ship-registry.md#insurance-interaction.