Elite Dangerous insurance for modules is handled as part of the ship’s replacement calculation: the stated insurance cost is based on the ship and its modules together. [1] You do not buy a separate insurance add-on just for modules; the replacement choice can cover the ship in its entirety. [2] To go further, see Elite Dangerous Insurance: How Rebuy and Recovery Work.
That matters when you fly an outfitted ship, because the amount shown for replacement reflects more than the bare hull. Before confirming, use the displayed cost as your practical check: make sure you understand the amount attached to the replacement choice you are selecting. [1]
Treat modules as part of the replacement
Think of the ship and its installed equipment as one replacement calculation, rather than treating each module as a separate insurance policy. For example, if you lose a ship fitted for combat or exploration, the modules are part of the overall ship-and-modules value used in the stated calculation. [1]
This distinction helps avoid a common misunderstanding: you are not setting up separate module insurance alongside ship insurance. Your insurance is set at 5% of the combined cost of your ship and its modules, so you do not need separate cover for the modules.[1]
Check the amount shown before you commit
Before you confirm a replacement, pause on the amount displayed in the game and verify that it matches the choice you intend to make. If you are unsure, do not rely on memory of what the hull alone cost; use the displayed figure for that decision. To go further, see Terra III in Star Citizen: Planet, Lore, and Game Context.
A practical example: after losing a ship with several installed modules, compare the replacement cost shown for the ship with your expectations for that fitted build. The key point is not to calculate a separate module fee, but to check the displayed replacement cost before confirming. This keeps your decision tied to the amount the game presents rather than an assumption about what module coverage costs on its own.
What happens to your outfitting when your ship is lost?
When you replace a lost ship, the choice can cover the ship and its outfitting together, rather than treating modules as a separate replacement decision. [2] In the redeployment interface, you may also be able to deselect certain items, so the configuration you choose to restore need not include everything. [2]
How the choice can look in practice
Imagine your ship had a mix of weapons, utility equipment, and other fitted modules. If you choose to replace the ship in its entirety, the outfitting comes back as part of that choice; if you deselect certain items in the interface, those items are left out of the replacement. [2]
That gives you a choice about which parts of the build to bring back. For example, you might keep the equipment you rely on for your usual activities and deselect an item you do not need right away. The exact items available to deselect depend on what the interface presents, so use the options shown in your own replacement screen. For a closer look, read Star Citizen vs Elite Dangerous for Beginners: Which to Pick?
Think about the build you want back
Treat the replacement as a choice about your whole ship setup, not just its hull. If a module is central to how you use the ship, make sure it remains selected; if you are willing to leave an item behind, deselect it where the interface allows. [2]
A useful way to approach the screen is to picture your next flight: which fitted parts do you want on board when you launch again? That keeps the decision focused on the build you actually want to fly, instead of assuming every item has to be handled as a separate insurance step.
The replacement choice is not simply “ship back” or “ship gone” for every fitted item: you may have the option to restore the ship and outfitting together, while deselecting certain items. [2] Take a moment to review the selections before you commit, especially if your ship relies on a particular module or loadout.
What to check before you confirm a replacement
Open the replacement details and read them before you choose. The right panel includes insurance information alongside ship status, modules, and fire groups. [3] Treat that screen as your checklist: pause long enough to inspect the listed configuration rather than confirming as soon as the replacement option appears.
Match the listed configuration against the build you want restored. Look for the modules that matter to your next flight, such as the equipment you rely on for your usual role. The redeployment choice can involve deselecting certain items, so check the details for any module you expect to be included. [2] For example, if you normally use a particular weapon setup, verify that those weapons appear in the configuration before moving on.
Decide whether any omissions are acceptable before confirming. If a module you want is not listed, consider whether you can fly without it for now or would rather adjust your choice. A combat ship missing a preferred weapon loadout may feel very different from a ship with an optional utility module left out; think through how each omission would affect your immediate plans.
Use a simple pass through the display: identify the modules you need, compare them with what is shown, and make a deliberate choice about anything absent. If the screen is unclear, take a moment to review the module list again rather than guessing. That small pause helps you avoid accepting a configuration that does not match the ship you intended to fly.
Keep the decision focused on your next trip, not just the ideal version of your build. If a missing module is essential to the job you planned, reconsider before confirming; if you can manage without it, proceed only when you are comfortable with that tradeoff. The key is to verify the actual listed setup and decide about omissions before locking in your replacement.
Why an outfitted ship can have a different rebuy cost
An outfitted ship can have a different replacement cost from a bare hull because the ship’s modules contribute to its insured value. [1] That difference matters most when your build includes expensive equipment: replacing the hull alone is not the same as restoring the ship with that equipment fitted. [1]
Hull versus fitted ship
Think of a bare hull as the starting point, not the whole replacement value of a finished build. A ship with a costly power plant, shield generator, or other high-value module can have a different replacement figure from the same ship without that equipment, because the insurance calculation includes the ship and modules. [1]
For example, if you have spent time fitting a combat ship with a more expensive shield generator, compare the displayed replacement details for that fitted build rather than assuming the hull’s cost tells the whole story. The same idea applies to a cargo ship with a costly module: the specific equipment changes what you are trying to restore, even when you are not comparing exact prices.
Use the displayed details
Treat the replacement details shown in game as your practical reference for the specific ship and configuration you are recovering. [2] The interface may offer a choice about what to rebuy, so read the displayed details for the build you want rather than relying on a remembered hull-only figure. [2]
This is especially useful if you have changed your loadout since the last time you checked its replacement cost. A fitted ship with valuable equipment is a different case from a bare hull, and the replacement screen is the place to ground your decision in the current configuration. If you are unsure which modules are included, pause and review the displayed options before you choose. Related reading: Can’t Afford Rebuy in Elite Dangerous? Your Options.
Make the replacement choice with your build in mind
Match your replacement choice to the build you need next, and keep enough credits for the displayed rebuy amount. Before accepting, compare the cost with the outfitting included and decide which modules matter for your next flight.
Choose for the next flight
Start with your intended activity, then identify the modules that support it. If you plan to return to combat, consider which parts of your setup you rely on for that role; if you want to explore, focus on the equipment that suits that trip. This gives you a practical way to weigh the replacement options.
You do not have to treat every part of your old build as equally important. A module you rarely use may be less useful right now than one central to the job you want to do. The Pilots Federation insures at least 95% of the full value of a pilot’s ship, and the pilot can choose to rebuy the lost ship in its entirety or deselect certain items. [2]
Before choosing, make a short mental list of the modules you need for your next activity. For example, if you are aiming for a combat flight, prioritize the equipment you depend on in that role. If you are planning a longer outing, consider which pieces of your familiar setup make sense for that plan.
Keep the cost within reach
Use the amount shown for the replacement you select as your credit check. If you are weighing a more complete setup against one with fewer modules, decide which configuration best supports your next flight while keeping the rebuy amount manageable. Avoid choosing solely to recreate every detail if those modules are not useful to your immediate plans.
A simple routine helps: decide what you need restored, compare the outfitting included with the cost, and make sure you can cover the displayed rebuy amount. If the choice does not fit your plan or available credits, pause and reconsider before accepting. Your next step is to choose the configuration that supports the job you want to do without stretching your credits beyond the rebuy shown.