ABI Insurance Guide: When Insuring Your Gear Actually Pays

Players skip insurance to save a few Koen, then rage when a 300K kit vanishes forever. Insurance is cheap protection against the worst outcome. The trick is knowing when it pays.

How insurance returns work

Insurance returns your gear if no other player extracts with it. If a rival grabs your kit and leaves, you get nothing back. If it stays on the map, the system returns it to you.

AI scavs never take insured gear

AI scavengers never take insured items. They can kill you, but they will not strip your insured gear. That makes insurance strong on maps with heavy scav activity and light player traffic.

Insure expensive pieces only

Insure your expensive pieces, not the whole kit. Plates and a good weapon are worth protecting; a cheap rig is not. The budget loadouts guide shows what is worth covering.

Do not lean on insurance as a safety net. The gear fear guide warns against hoarding gear you are scared to use. Risk only what you can replace, insured or not.

Insurance vs secure container

Balance it against the market. The economy guide covers timing your buys and sells. Insurance premiums add up, so insure the runs that matter.

The secure container guide is your real safety net. Only the container survives death for certain. Insurance is the backup, not the plan.

Avoid the habits in the common mistakes guide that waste both kits and premiums. Cheap, insured runs compound safer than hero plays.

When insurance pays off

Weigh premium against payout before each raid. Cheap rigs are not worth the fee, while a T5 plate or S-tier gun is. Spend on the pieces that actually hurt to lose.

Boss runs are where insurance shines. The bosses guide sends you into guarded fights with pricey kits. Cover the weapon and plates so a death stings less.

Do not insure and then over-gear. The common mistakes guide flags that habit as a trap. Insurance is a bandage, not a license to bring what you cannot replace.

Remember this: insure your pricey pieces on scav-heavy maps, but never treat insurance as a reason to over-gear.