Jane Dotson
Insurance in Escape from Tarkov is a valuable tool to protect your gear and make raiding more rewarding. Players can insure their gear with vendors like Prapor and Therapist, who will return lost items within a certain timeframe. The cost of insurance depends on the item's value, and players must collect their gear within a specific period. While insurance is a great way to retain equipment, it's not a guarantee, and players must choose which items to insure wisely. This decision is based on factors like item value, weight, and the likelihood of retrieval. Additionally, certain items, such as consumables and specific containers, are not insurable. Players can also employ strategies like stashing insured items in hidden locations to increase the chances of retrieval. Ultimately, insurance in Tarkov is worth considering, especially when used strategically, as it provides a lifeline to recover lost gear and makes raiding a less costly and more rewarding experience.
| Characteristics | Values |
|---|---|
| Cost of insurance | Depends on the value assigned by the trader; higher-value items are pricier to insure |
| Insurers | Prapor, Therapist |
| Prapor | Cheaper; returns items after 24-36 hours; players have 4 days to collect |
| Therapist | More expensive; returns items after 12-24 hours; players have 6 days to collect |
| Items covered | Most types of gear, such as armor, helmets, guns, rigs, backpacks, magazines, and headsets |
| Items not covered | Consumables (ammo, food, grenades, medicine), melee weapons, armbands, special equipment, containers, cases, and the contents of insured containers |
| Timeframe for return of items | Depends on the insurer chosen; items must be collected within the specified timeframe or they will be lost |
| Strategies | Hiding insured items in hard-to-spot places, insurance fraud, teammate assistance, prioritizing low-value items |
| Benefits | Recovers gear lost during raids, promotes gear rotation and experimentation, helps protect investment in gear |
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What You'll Learn
Pros and cons of insurance in Tarkov
Insurance in Escape from Tarkov is a valuable way to recover gear lost during raids, giving you a second chance at retaining your equipment. It is a helpful system for retaining essential gear, especially when used strategically.
Pros
- Insurance can help you recover your gear after a raid gone wrong.
- It is a way to protect your investment in gear, which can be invaluable in a game as punishing as Tarkov.
- You can choose which items to insure, and it is generally a good idea to insure gear that is more likely to be left behind by other players, such as mid-tier items.
- You can also use insurance strategically by hiding your insured items in hard-to-spot places, making it less likely for other players to loot them.
- You can choose between different insurers, such as Prapor and Therapist, who offer different prices and return times for items.
Cons
- Insurance is not a guarantee that you will get your items back. For example, if an AI scav picks up your item and survives until the timer runs out, you will not get the item back.
- There are certain items that cannot be insured, such as consumables (ammo, food, grenades, medicine), melee weapons, armbands, special equipment, and containers.
- The cost of insurance depends on the value of the item, so higher-value items will be more expensive to insure.
- Insured items need to be claimed within a certain timeframe, or they will be lost.
- If an insured container is lost and contains an uninsured item, the uninsured item will not be returned.
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How to insure your gear
In Escape from Tarkov, the death of your character means losing all the equipment he was wearing. To prevent this, you can use the in-game insurance service provided by vendors Prapor and Therapist.
To insure your gear, go to your inventory from the main menu and right-click on the item you want to insure. Then, select "Insure" and confirm your choice. You can also insure all items at once by clicking on the "Insure All" button. Insuring all your items before a raid is a good idea, especially if your choice of higher-tier items is limited.
You can also insure items directly from your stash by right-clicking on the item and selecting "Insure". This will bring up a list of insurers to choose from. Insuring a container will also insure everything inside it.
It's important to note that consumable items like ammo, food, meds, grenades, and melee weapons cannot be insured. Additionally, if you insure a magazine with ammunition inside, only the magazine will be returned. The same applies to containers with uninsured items inside.
If you are killed during a raid, there is a chance that your insured items will be returned, provided that no other players loot them. Your insurer will contact you within a few hours or days to let you know what has been returned. You can then claim these items from the messenger tab.
Upgrading the Intelligence Center to Level 2 in your Hideout will reduce item return times. Prapor is the cheaper option but takes longer to return items, while Therapist is more expensive but faster.
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Choosing the right insurer
When it comes to choosing the right insurer in Escape from Tarkov, there are a few things to keep in mind. Firstly, it's important to understand the role of insurance in the game. Insurance provides a way to recover gear lost during raids, giving players a second chance to retain their equipment. By insuring items, you increase the likelihood of getting them back if they aren't picked up by other players.
The game offers two main insurers to choose from: Prapor and Therapist. Here's a breakdown of their differences to help you decide:
Prapor
Prapor is known for being the more affordable option between the two. If you're working with a tight in-game budget, Prapor's lower prices can be advantageous. However, the trade-off is that Prapor takes longer to return your insured items, typically within 24 to 36 hours. This longer wait time may impact your gameplay strategy, especially if you're looking to quickly re-equip your character for the next raid.
Therapist
Therapist, on the other hand, is the more expensive option, with prices ranging from 1.23x to 1.43x higher than Prapor, depending on the trader level. The advantage of choosing Therapist is the faster item return time. With Therapist, you can expect to receive your insured items within 12 to 24 hours, which is nearly half the time it takes for Prapor. If time is of the essence and you want to get back into the action quickly, Therapist might be the better choice.
When deciding between Prapor and Therapist, consider your priorities and gameplay style. If cost efficiency is a priority, Prapor could be the right choice. However, if you value speed and want to minimise downtime between raids, Therapist may align better with your strategy. Additionally, consider your play schedule. If you play more frequently during certain periods, aligning your insurer's turnaround time with your play schedule can be beneficial.
It's also worth noting that the cost of insurance varies based on the value of the item. Higher-value items will generally be more expensive to insure. Assess the value and rarity of your gear and decide if it's worth insuring or if you'd rather take your chances without insurance. For example, high-value items like top-tier helmets and class 5-6 armour are often looted, so insuring them may not provide the best value. On the other hand, mid-tier items are often left behind, increasing the chances of recovery through insurance.
Lastly, don't forget to implement strategies such as stashing insured items in hidden locations, especially with the help of teammates. This reduces the chances of your insured items being looted and improves your odds of getting them back.
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Strategies to maximise insurance benefits
Firstly, it is important to understand what items can be insured. You can insure gear items (weapons and armour), containers (key tools, document cases, and item cases), and intel items (paper maps). Consumable items (food, meds, ammo), secure containers, compasses, melee weapons, and armbands cannot be insured. With this in mind, you can start to think about what items are worth insuring.
One strategy is to selectively insure low-value items that are less appealing to other players, such as mid-tier helmets and level 3/4 armour. These items are less likely to be looted, increasing the chances of them being returned. Conversely, high-value items that are easily looted may not be worth insuring, as they are likely to be taken.
Another strategy is to use "insurance fraud" tactics. This involves hiding your insured items in obscure locations when you find better gear during a raid. If no one finds your stashed items, they will be returned to you. This strategy is particularly effective when playing with a team, as teammates can help hide your insured gear in hard-to-find locations, further ensuring their return.
When deciding which items to insure, it is also important to consider the timing of item returns. Therapist returns items faster (12-24 hours) but is more expensive, whereas Prapor is cheaper but has a longer return time (24-36 hours). Choose the vendor whose timing best matches your play schedule. For example, if you play frequently, Prapor's delay may be manageable, whereas if you play less often, Therapist's faster returns may be more beneficial.
Finally, remember to collect your returned items within the holding period. If you do not claim them in time, the insured items will be lost.
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Items that are not worth insuring
Insurance in Escape from Tarkov is a valuable way to recover gear lost during raids, giving you a second chance at retaining your equipment. However, not all items are worth insuring. Here are some items that are generally not worth insuring:
Consumables
Consumables such as ammo, food, grenades, and medicine are not insurable. Even if you insure a magazine with ammunition inside, you will only get the magazine back, and the ammunition will be lost. Similarly, an insured backpack or chest rig with medical items inside will not yield the meds back. Therefore, it is not worth insuring consumables, as they will not be covered by insurance.
High-value items
High-value items, such as class 5-6 armour and top-tier helmets, are often looted and may not be worth insuring. These items are more likely to be taken by other players, reducing the chances of getting them back. Instead, consider insuring mid-tier items, which are less likely to be looted, especially if the player who finds them already has good gear.
Melee weapons
Melee weapons cannot be insured, so it is not worth spending money on insuring them.
Special equipment, containers, and cases
Special equipment, containers, and cases are also not insurable. Therefore, if you lose these items during a raid, you will not be able to recover them through insurance.
Items during Lab raids
It is important to note that insured items will not be returned if lost during raids in The Lab and The Labyrinth. So, if you are planning to participate in these raids, it may not be worth insuring your items for that specific raid.
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Frequently asked questions
Insurance in Escape from Tarkov allows players to recover gear lost during raids, giving them a second chance at retaining their equipment.
Players can insure their gear with in-game vendors, Prapor or Therapist. The cost of insurance and the time of return of items depend on the choice of the vendor and the level of their reputation with the player. Players can insure items directly in their stash by right-clicking on the item and selecting "Insure".
Insurance in Tarkov can be a valuable tool for recovering lost gear, especially when used strategically. It helps protect your investment in gear, which can be invaluable in a game as punishing as Tarkov. However, it is important to note that insurance does not guarantee the return of your items, and players should evaluate the real odds of return for each item.
