Insurance system

## EFT A3 Insurance System

**Available since Patch: Beta 1.4.3.0**

The EFT A3 scenario includes an insuring mechanic similar to original B.S.G EFT, this feature can be used in any of the levels of the Intel Center and allows you to insure using one of the following methods.

The insurance allows the player to go into a raid with the possibility of having the insured equipment be delivered back to their stash if they were to perish when they have any of their insured equipment on themselves, the system has limitations and adaptations to better fit the game mode and Arma itself, as precise weapon ID tracking is not possible using vanilla scripting functions.

The insurance system will activate if you have raided unsuccessfully (have perished) as a PMC during normal raids, not being active while doing scav raids or practice raids.

Once the system is active, the insurance will be assigned a certain number of raids according to your Intel center level, going from 5 to 1 in first version. Additional to this, intel center level is directly tied to the chance of recuperation, starting at 33% up to a maximum of 99%.

When the system is enabled, extracting or dying as a PMC or Scav will decrease the number of raids remaining until the insurance get delivered back to your stash upon chance, varying according to Intel center level. Going into practice raids and failing to extract or extracting successfully WON'T decrease the raid remaining until delivery.

You can always check your insurance policy free of charge in the Intel Center with the action prompt in the main Laptop.

### How to operate the insurance system

In order for the player to be able to use the insurance system, it has to fulfill the minimum requirements for it.

Insurance System Requirements
* Any weapon equipped in any of the slots.
* 35,000 cherno-roubles.
 Armor insurance
* A vest or helmet.
* 6,500 cherno-roubles.

If the player has the minimum requirements for any of the desired modes, getting close to the Intel Center main operation laptop and using any of the prompted actions will activate the insurance system according to the type of insurance selected.

The Insurance will be able to insure you good using one of the 2 following methods.

### Modular Insurance system

1. **Weapon Insurance.** The weapon insurance allows the user to insure the weapons currently equipped the primary and side-arm slots. This wont consider the use of mods like ***DUAL ARMS*** or any other mod that allows you to carry multiple main weapons at once. Weapons will be insured with their current attachments and their current magazines, allowing for a more detailed insurance experience. However, certain restrictions apply.
2. **Armor Insurance.** The armor Insurance allows the user to insure the armor currently equipped in the vest and helmet slots. The items contained in the vest will be insured too, however certain restrictions apply.

#### Modular Insurance tracking

The modular system is able to track your last insured items and equipment, as it has been designed to do, during the start and the end of the raid. Insuring equipment and then modifying it (in the case of weapons) or adding items into the inventories (in the case of vests) will make your insurance change. This allows the player to be able to insure and then make last second changes to their inventories and attachment without worrying of losing its insured gear.

As long as the main item insured, be it weapons or vest stays the same during the checks when leaving or coming back from raid, insurance will be kept active.

Unequipping or changing the main items insured will invalidate the insured equipment until the conditions for insurance tracking are met again. Once you equipped main items or have them in your inventory, the tracking will resume allowing the insurance to activate in case you raid unsuccessfully.

Note that modular insurance can only be applied once until insurance is covered OR you decide to do a loadout insurance, overwriting the modular insurance with the loadout insurance.

### Loadout Insurance system

The loadout system works similarly enough to the modular system, anything equipped or in your inventory will be saved to the insurance for that raid. However, loadout insurance is as well restricted.

#### **Loadout Insurance tracking**

The loadout system is able to track your last insured items and equipment, as it has been designed to do, during the start and the end of the raid. Insuring equipment and then modifying it (in the case of weapons) or adding items into the inventories (in the case of vests) will invalidate your loadout insurance, granting you a refund minus handling fees (punishment). This prevents the player to be able to abuse the cheapest option in relation to price per insured item compared to modular system.

Unequipping or changing any item form the loadout will prompt that response, so you should be sure that you have everything ready before insuring your complete loadout.

The loadout insurance is limited to a single raid insurance, granting you a compensation on successful extraction and allowing you to reinsure everything once you are ready.

Note that loadout insurance can be applied multiple times, overwriting your previous modular or loadout insurances.