Insurance System Explained
How the insurance system works in Arc Raiders -- filing claims, managing fees, and maximizing your return rate.
The Insurance System in Arc Raiders exists to soften the blow of losing your gear. Every piece of equipment you bring into a raid can be insured before you drop, which means the game will attempt to return it to you if you are eliminated.
Insurance is not free. Each item you insure costs a small fee paid upfront in currency. The fee scales with the value of the item -- insuring a white-tier pistol costs almost nothing, while insuring a Tier IV weapon can run several thousand currency per raid.
The system has real limitations that every player needs to understand. Insured items are not guaranteed to return. If an enemy player loots your body and extracts successfully, the item is gone regardless of insurance. If the insurance claim window expires before you can collect, the item is lost.
Tips
- +Insure every piece of gear you cannot afford to lose -- the fee is always less than the replacement cost
- +Check your insurance claims within 24 hours of the raid -- unclaimed items are forfeited
- +Insuring white-tier items is almost never worth the cost versus simply re-crafting them
Before entering a raid, open your loadout screen and look for the insurance toggle on each equipped item. It is a small checkbox or shield icon next to the item. Clicking it marks the item as insured for that specific raid.
You can insure items individually or use a bulk-insure option that marks all equipped gear above a value threshold. The bulk option is convenient but can lead to insuring items where the fee exceeds the replacement cost -- review bulk selections before confirming.
The insurance fee for each item is calculated based on its current market value and your insurance reputation score. Reputation accumulates over time with successful claims, which gradually reduces the fee percentage you pay.
Tips
- +Get in the habit of reviewing your insurance selections every raid -- it is easy to accidentally over-insure cheap items
- +Insurance reputation decays slowly if you go long periods without making claims -- keep it active with small regular raids
- +Some items have insurance restrictions -- boss-specific weapons and certain event items cannot be insured
After a raid ends, check the Insurance Post in the main menu or the in-game trader hub. Claims appear there within a few minutes of raid completion. Each claim shows the item, the fee you paid, and the current status.
Available claims stay in the Insurance Post for a set period, typically 24 hours in real time. Claimed items go directly to your stash or become available for pickup at a designated trader. Expired claims are forfeited permanently.
The claim process has a small currency fee per item collected, separate from the original insurance fee. Factor it into your insurance math: if the total fees exceed the replacement cost, you would have been better off not insuring.
Tips
- +Make checking the Insurance Post part of your post-raid routine -- set a reminder if you need to
- +If you have multiple expired claims, review what went wrong -- a pattern of expired claims means you are insuring items you do not actually need back
Early-game players should be selective about insurance. Your gear is inexpensive to replace, and the fees add up across a session. Insure your primary weapon and any armor above Level 1, and skip insurance on everything else.
Mid-game players have more valuable gear and more to lose. Insure every Tier II or higher weapon and all Level 2+ armor. At this stage, a single lost weapon kit can set your progress back by several hours of farming.
Late-game and hardcore players run expensive loadouts where a single death can cost tens of thousands in currency. Insurance is effectively mandatory for every raid -- the fees are negligible compared to the loadout value.
Tips
- +Calculate your effective insurance ROI over a session: total fees paid versus total items recovered -- if you are recovering less than 60 percent of insured items, review your insuring habits
- +For high-value raids (boss fights, contested zones), double-insure your most valuable items if the option is available
- +Insured items that are recovered are returned at the condition they were in when you died -- damaged gear comes back damaged, so repair immediately after collecting
Over-insuring is the most common mistake. New players who have just assembled a good loadout instinctively insure everything out of fear, then find that their insurance fees are consuming a significant portion of their earnings.
Letting claims expire is the second most common mistake. The Insurance Post is easy to forget about between sessions, and items disappear permanently if you do not collect them within the window.
Insuring items you never bring into raids is wasteful. Insurance only applies to items that enter a raid. Review your stash and remove insurance from items that have not been equipped recently.
Tips
- +Keep a mental or written log of which items cannot be insured -- knowing your exclusions is as important as knowing what is covered
- +The best insurance is not needing it: prioritizing survival over aggressive plays when you are carrying expensive gear is always the correct economic decision