Mod Details

Insurance Plus

Insurance Plus 1.3.0

Created by  Mattdokn

24.2K Downloads

SPT 3.11.4 Compatible

Insured items aren't dropped on death.

Latest Version 1.3.0
SPT 3.11.4

Updated May 31, 3:47 AM

Version Notes

Updated to 3.11.x

This download is externally hosted.
Always scan for viruses.
Basics

An update to JustNU’s Insurance+ for the latest version of SPT!

Changes the insurance system to allow you to keep your insured items equipped upon death.

Item’s dropped in raid will be handled normally through the vanilla game’s return system.

Make sure you insure container’s with insured items. If the container the item is in isn’t insured then it’ll be lost.

If you’d like to increase insurance prices you can do so with this mod TraderQoL

How To Install

Simply extract mattdokn-insuranceplus.zip into your game folder

How To Config
  • LoseInsuranceOnItemAfterDeath
    • Default: false
    • If this is enabled, after dying in raid. The insured items you kept equipped will lose their insured status.
  • LoseAmmoInMagazines
    • Default: false
    • If this is enabled, ammo that is chambered or loaded into an insured magazine/weapon will be removed.
Known Issues

If you see anything that stands out to you, please let me know in the comments or submit an issue on github.

  • Insured items inside an uninsured container will not be returned to you on death.
  • Bullets in magazines stay after death. (Round in chamber gets removed though lol)
  • You are able to insure items that are needed to be placed for quests and get them back after the raid, this won’t be fixed as it would require adding a client component to see if you planted an insured item. link
Support My Work

Never feel obligated to donate for support.

https://ko-fi.com/mattdokn

Version 1.3.0
Download Mod Version
SPT 3.11.4
Latest Compatible SPT Version

6.4K Downloads

Created May 31, 3:47 AM

Updated May 31, 3:47 AM

Virus Total Results

Updated to 3.11.x

Version 1.2.8
Download Mod Version
Unknown SPT Version
Latest Compatible SPT Version

1.4K Downloads

Created Mar 8, 6:30 PM

Updated Mar 8, 6:30 PM

Virus Total Results

- Fixed insured items being duplicated! (finally)

- Config option for keeping ammo in magazines and chambered rounds now works again.

- Removing insured status on items after dying in raid works properly.

Thank you to all who opened tickets on the github repo, you guys are awesome.

Version 1.2.7
Download Mod Version
SPT 3.10.5
Latest Compatible SPT Version

5.0K Downloads

Created Dec 23, 2024 at 4:53 PM

Updated Dec 23, 2024 at 4:53 PM

Virus Total Results

Updated for 3.10.x!

Completely re-written, with the same functionality as previous versions.

Version 1.2.6
Download Mod Version
Unknown SPT Version
Latest Compatible SPT Version

2.0K Downloads

Created Oct 25, 2024 at 5:55 PM

Updated Oct 25, 2024 at 5:55 PM

Virus Total Results

- Fixed pockets not being removed on death.

- Reworked how ammo is removed to no longer always remove the chambered bullet regardless of lossAmmo config setting

Version 1.2.4
Download Mod Version
Unknown SPT Version
Latest Compatible SPT Version

2.1K Downloads

Created Sep 14, 2024 at 1:34 AM

Updated Sep 14, 2024 at 1:34 AM

Virus Total Results
  • Fixed lost insurance status on death setting.
  • Fixed issue of not losing quest items on death.
Version 1.2.2
Download Mod Version
Unknown SPT Version
Latest Compatible SPT Version

4.8K Downloads

Created Jul 14, 2024 at 8:22 PM

Updated Jul 14, 2024 at 8:22 PM

Virus Total Results

Fixed Bug:

  • Items are lost regardless of lostondeath.json settings. link
synced_gh0st *

I really love this mod! Will there be an update to 4.0?

0 Likes
ThatDude

I’m assuming this won’t conflict with your Trader QoL mod, right?

0 Likes

Correct.

0 Likes
Campingcoke

Is there anyway we could get an option for losing insurance on an item after a certain number of raids (death or not)? Like I insure a gun for 4 raids and get it back every time but after that 4th raid (whether I die or extract) the insurance still wears off?

0 Likes
detox

In Versions, the author specifically thanks those who opened tickets on github. But I’m too dumb to find it. Is there a more ‘relevant’ spot for this mod’s activity?

0 Likes
Saknarin990

Please update🥰

3 Likes
Kyagee

cool mod, can we get an option in the config to remove insurance on items after raid end? I feel like this would be a nice balancing option.

1 Like

Thanks, I don’t understand what you mean? The setting is called “LoseInsuranceOnItemAfterDeath”

0 Likes

since insuring your loadout is way cheaper than re-buying it, and this mod makes your insured items be ready right after death 100% of the time, it would be an interesting option to lose insurace after any raid. so basically an option to make insurance last 1 raid or more if possible.

so it would be an option like “lose insurance after raid - false/true”

and maybe “lose insurance after x raids”

not sure if it’s possible to do, but it would make for more customizing of the insurance system.

0 Likes

Ah I understand the suggestion now. Personally I use SVM or my mod trader QoL to increase insurance amounts to 4x default to kind of balance it out. But I like your idea, I’ll think about adding it when I get around to 3.11

1 Like
Tr8n8ty

Great mod, thank you for this. Unfortunately, keeping the ammo option doesn’t seem to work. I’ve “toggled” it a few times to be sure, but even with the value set to false I still lose ammo on death. Is this something that will be looked into/addressed?

0 Likes
Tinhead_Ausf_B

Nice mod, have used it the last days but I found a weird bug (latest SPT 3.10.5, I think, latest mod version).

When I die in a raid, I return with my insured stuff, without the ammo - as configured. A while later, though, usually the next time I start the server and play, I get messages from the insurer (depending on whom I insured with) and they send me copies of the items they have ‘retrieved’ and which I have never lost in the first place.
It leads to piles of expensive items that are duped and can be potentially sold again, clutter the inventory at any rate.
I couldn’t tell you whether it’s some unwanted effect from another of the 50+ mods I use. Just wanted to let you know.

Also, I am not sure if it’s intended to, but the mod does not appear in the ingame mod configuration menus.

Cheers

Edit: I just read a below comment of someone who pointed that behavior out already! Apologies.

0 Likes
Zarif

really appreciate someone keeping this mod idea alive - Fika compatibility would be awesome though

0 Likes
captain

I have had insured guns be lost one time only, not sure if this was caused by something else, and prapor seems to be returning items still , so i end up with tons of duplicates.

0 Likes

Prapor is returning items that i sell

0 Likes

Same for me, all insurers do that. Duping everything that I have never lost in the first place. I have added a new comment on this, only read yours after.

0 Likes

I’ve stopped using this mod and im using SVM(server value modifier) which lets you change loads of stuff including insurance time so you can set it to be more or less instant, much prefer it this way and no duplicates

0 Likes

Details