Jeffrey Wade
In Escape from Tarkov, players can insure their items to protect their loot if they die during a raid. Weapons, armour, vests, and other gear that are equipped on the player's character can be insured with two traders in the game: Therapist and Prapor. Insured items are identified by a yellow border highlight and a shield icon. Players can insure items directly from their stash or through the insurance screen after matching for a raid but before deploying. The insurance system allows players to retrieve items that have not been extracted from a raid, with a delay. While there is no specified duration for how long items stay insured, players must collect their returned items within the allotted holding period or risk losing them permanently.
| Characteristics | Values |
|---|---|
| Items that can be insured | Gear items (weapons, armours), containers (Key tool, Documents case, Item case), Intel items (paper maps), Ammo boxes |
| Items that cannot be insured | Consumable items (Food, Meds, Ammo), Secure containers, Compass, Melee weapons (except Cultist knife), Armbands |
| Identifying insured items | Yellow border/highlight, Orange border/highlight, Shield icon |
| Insuring items | Right-click on item in stash and select "Insure", Use insurance screen after matching for raid but before deploying |
| Choosing insurers | Therapist (quick return, more expensive), Prapor (slower return, cheaper) |
| Collecting insured items | Collect within allotted time or items will be lost, Therapist (6 days to collect), Prapor (4 days to collect) |
| Insurance strategies | Insure low-value items, discard insured items in hidden locations, teammate assistance for storing valuables |
| Insurance limitations | Items lost in "The Lab" and "The Labyrinth" raids are not returned, insured items lost with "Missing in Action" status are not returned |
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What You'll Learn
Items remain insured until lost in a raid
In Escape from Tarkov, items remain insured until they are lost in a raid. Players can insure gear items (weapons and armour), containers (key tools, document cases, item cases), and intel items (paper maps). Consumable items such as food, meds, and ammo cannot be insured. Insured items are indicated by a yellow border or highlight and a shield icon.
There are two ways to insure items: through the insurance screen after matching for a raid but before deploying, or by right-clicking on an item in your stash and selecting "Insure". Players can choose between different insurance providers, each with their own advantages and disadvantages, such as return time. Players should consider their play schedule when choosing an insurance provider. For example, Therapist has a quick turnaround time, which is beneficial for players who play during weeknights.
It is important to note that there are limits to the insurance system. Insured items will not be returned if the player ends a raid with a "Missing in Action" status. In such cases, players should discard their insured items in a hidden location to prevent them from being taken by other players. Additionally, if an insured container is lost and contains uninsured items, the uninsured items will not be returned with the container.
To maximise the benefits of insurance, players can consider strategies such as prioritising low-value items, considering the weight and size of items, and using insurance selectively based on the odds of recovery. By leveraging insurance wisely, players can mitigate losses and sustain their gear in the challenging world of Tarkov.
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Insuring consumables like food, meds or ammo
In Escape from Tarkov, consumable items such as food, meds, and ammo cannot be insured. This is because consumables are considered a reliable money sink in the game's economy, and insuring them could lead to inflation. Additionally, allowing players to get back consumed items, such as fired ammunition or used medkits, could be game-breaking.
However, there are some strategies players can use to minimise the loss of consumables. For example, if players find themselves in a raid with the Missing in Action status, they can discard insured items in a hidden location before extracting. This makes it harder for other players to loot them, and if they are not found, there is still a chance to get them back through insurance.
Another strategy is to prioritise insuring lower-value items such as mid-tier helmets and level 3/4 armour. These items are less likely to be looted by other players, increasing the chances of getting them back through insurance. Players can also use insurance fraud tactics, such as ditching cheaper insured gear to take uninsured loot from dead players.
It is important to note that while these strategies can help mitigate the loss of consumables, they do not provide the same level of protection as insuring items. Players will still need to purchase consumables regularly to stay competitive in the game.
Additionally, players should be aware of the limitations of the insurance system. For example, insured containers with uninsured items inside will not yield the uninsured items if the container is lost. Similarly, insured magazines with ammunition inside will only return the magazine, not the ammunition. Understanding these limitations can help players make more informed decisions about which items to insure and how to best utilise the insurance system to protect their gear.
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Identifying insured items
In Escape from Tarkov, insured items are identified by a yellow border or highlight and a shield icon. This applies to items in your stash and while in a raid.
To insure an item, you can right-click on it and select "Insure". This will bring up the insurance screen, where you can choose an insurer. Insuring a container will also insure its contents. You can also insure items through the insurance screen after matching for a raid but before deploying. Here, you can toggle specific items or hit "Insure All" and then confirm.
It's important to note that insurance does not cover consumable items such as food, meds, or ammo. Additionally, certain items like secure containers, the compass, melee weapons (except the Cultist knife), and armbands cannot be insured and will not be looted from your body upon death if equipped in their appropriate slots.
While insurance provides a way to retrieve lost items, it's not without its limitations. For example, insured items left on your PMC at the end of a raid are not eligible for returns. Additionally, there is a time limit to collect returned items from your insurer, after which they will be lost for good.
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Choosing an insurance provider
In Escape from Tarkov, players can choose between two insurance providers: Therapist and Prapor. Each trader has its pros and cons. Prapor is cheaper but has a longer base return timer (24-36 hours) and a shorter holding period (4 days). Therapist, on the other hand, is more expensive but offers faster returns (12-24 hours) and a longer holding period (6 days).
When choosing an insurance provider, it is essential to consider your budget, playtime frequency, and other factors. If you play frequently and want to retrieve your gear faster, Therapist might be a better option. However, if you are on a tight budget and can wait a little longer for your items, Prapor could be a more cost-effective choice.
Additionally, it is worth noting that upgrading your Hideout's Intelligence Center will speed up return times for both providers. It is also recommended to evaluate the real odds of item returns and implement smart strategies such as insuring low-value items, using insurance fraud stash tactics, and relying on teammates to maximize the effectiveness of insurance.
Remember to collect your returned items within the allotted holding period, or they will be lost permanently. By choosing an insurance provider that aligns with your playstyle and budget, you can make the most of the insurance system in Escape from Tarkov.
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Pros and cons of insurance providers
In the game Escape from Tarkov, items can be insured and will remain insured until they are lost in a raid. If the item is recovered, it will need to be insured again.
Now, here are the pros and cons of insurance providers:
Pros
- Insurance providers offer protection against unforeseen events, such as accidents, illnesses, or natural disasters, providing financial peace of mind.
- They provide a range of insurance products to meet diverse customer needs, including auto, home, health, and life insurance.
- Insurance agencies, in particular, offer a personalized experience by assigning an agent to understand your needs and find the best policies from multiple providers.
- Insurance brokers represent multiple insurers and can offer a range of policy options, allowing customers to compare and choose the most suitable coverage.
- Health insurance, specifically, offers flexibility and improved access to care compared to public health services. It can cover specialist treatments and unexpected medical expenses.
Cons
- Insurance brokers may charge fees for their services, which can add to the overall cost of the insurance policy.
- Not all brokers have relationships with every insurance company, so there is a chance you might miss out on better policies offered by other providers.
- Inexperienced brokers may have limited knowledge of the industry, potentially impacting the quality of their guidance.
- The insurance industry has become more complex with new players, digital innovations, and a wider range of options, making it challenging for consumers to navigate and make informed choices.
- Health insurance may have gaps in coverage, leaving individuals responsible for certain medical expenses. The rising cost of healthcare can outpace the benefits provided by insurance plans.
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Frequently asked questions
You can insure items directly in your stash by right-clicking on the item and selecting "Insure". You can then select which insurance provider to use. Alternatively, you can insure items through the insurance screen after matching for a raid but before deploying.
You can insure gear items (weapons and armour), containers, and intel items (paper maps). Consumable items (food, meds, and ammo) cannot be insured. Secure containers, the compass, melee weapons, and armbands cannot be insured or looted from your body upon death.
Insured items will have a thick yellow or orange border around the stash space they occupy. They will also have a shield icon.
If you do not collect your returned items within the allotted time, they will be lost for good.
No, once an item is insured, it will remain insured until you lose it in a raid.
