Mod Details

Instant Insurance

Instant Insurance 1.0.3

Created by ozen

5.4K Downloads

SPT 4.0.6 Compatible

Receive your insured items immediately after death!

Latest Version 1.0.3
SPT 4.0.6

Updated Nov 15, 11:01 AM

12.97 KB

Version Notes

Fixed:

  • Items are kept even when insurance is disabled for the map (Labs)
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Prapor and Therapist’s teams have been reorganized — they’re now faster and more efficient at recovering your items, delivering them straight to your equipment.


NOTICE: This mod processes insurance immediately ONLY AFTER DEATH. When surviving a raid, your items dropped in-raid goes through the regular insurance system.

NOTICE: Be sure to insure the items you want to keep.


Configuration

Configuration

In the configuration file config.json

  • SimulateItemsBeingTaken - If enabled, items can be taken before the insurer can retrieve your item. Default is true
  • LoseInsuranceOnItemAfterDeath - If enabled, insurance status will be lost on death. Default is true
  • LoseAmmoInMagazines - If enabled, ammo that is loaded into an insured magazine will NOT be kept. Default is false
Installation

Installation

  • Extract the contents of the .zip archive into your SPT directory

Installation Thank you DrakiaXYZ for the gif

Recommended Mods

  • Mods that alter insurance prices and/or insurance return percentages. It is recommended to increase insurance prices to balance the changes done by this mod. SVM by GhostFenixx, and TraderQOL by Mattdokn provides options for changing insurance related options

Compatibility

FAQs

FAQs:

Why am I losing some of my items even though SimulateItemsBeingTaken is false?

  • Insurance is processed immediately ONLY AFTER DEATH. When surviving a raid, your items dropped in-raid goes through the regular insurance system
  • You can still lose items if they’re uninsured
  • Inspect your server logs, they contain information on how your items were processed after the raid ends

I’m still losing my items in laboratory, is there a way to change this?

  • SimulateItemsBeingTaken is overridden if insurance is disabled on the map. You can use SVM by GhostFenixx to enable insurance inside laboratory, Raid Settings -> Misc -> Working insurance inside Laboratory is checked
Support

Support

If you find bugs, or have feature suggestions, feel free to post them on the comment section, or open an issue on GitHub, or most preferably through the SPT Discord, ozen

Changes from Insurance Plus

A huge thank you to Mattdokn for allowing me to continue his work on Insurance Plus.

  • Simulate items being taken. Some items might still get sent by mail when the container that holds the item is taken, but not the item itself
  • Uses SPT methods to simulate items being taken, thank you SPT team!
  • Ported to the new SPT C# Server

Policy Notice: Insurance scamming is not tolerated. Those items dropped in-raid will be processed through the regular insurance system.

Version 1.0.3
Download Mod Version
SPT 4.0.6 +2 more
All Compatible SPT Versions:
4.0.6 4.0.5 4.0.4

12.97 KB

2.1K Downloads

Fixed:

  • Items are kept even when insurance is disabled for the map (Labs)
Version 1.0.2
Download Mod Version
SPT 4.0.6 +2 more
All Compatible SPT Versions:
4.0.6 4.0.5 4.0.4

12.78 KB

392 Downloads

Fixed:

  • Insured item not sent by mail when parent container is not insured

Modified:

  • Log count of items kept/removed to console
  • General code cleanup
Version 1.0.1
Download Mod Version
SPT 4.0.6 +6 more
All Compatible SPT Versions:
4.0.6 4.0.5 4.0.4 4.0.3 4.0.2 4.0.1 4.0.0

13.02 KB

2.5K Downloads

Fixed:

  • Ammo inside magazines is still lost when SimulateItemsBeingTaken is false
Version 1.0.0
Download Mod Version
SPT 4.0.6 +6 more
All Compatible SPT Versions:
4.0.6 4.0.5 4.0.4 4.0.3 4.0.2 4.0.1 4.0.0

13.04 KB

438 Downloads

Initial release

No Addons Yet

This mod doesn't have any addons yet.

ozen * Pinned

NOTICE: This mod processes insurance immediately ONLY AFTER DEATH. When surviving a raid, your items dropped in-raid goes through the regular insurance system.

0 Likes

NOTICE: Be sure to insure the items you want to keep.

0 Likes
mengnan

May I ask what the situation is? The insurance has expired and all the equipment has disappeared [Instant Insurance] –––– [Instant Insurance] Player: mengnan [Instant Insurance] Map: rezervbase [Instant Insurance] Items processed: 77 [Instant Insurance] Items kept: 0 [Instant Insurance] Items removed: 77 [Instant Insurance] Items uninsured: 36 [Instant Insurance] Items sent by mail: 0 [Instant Insurance] ––––

0 Likes
Bobitec

Thank you for your mod; playing with fika and it’s work like intended. Can you do a thing for insurance work on Lab ?… i just die into lab and i hold all my gear… unexpectedly

0 Likes

I’ll look into this, thanks!

1 Like
ScallionKK

How do I remove this mod? I’ve encountered some issues. When I was playing the game with my friends via FIKA, none of us could successfully trigger the instant insurance. We didn’t receive any of the equipment we dropped upon death—even the regular insurance didn’t activate, and the equipment just vanished like that. Later, we uninstalled this mod by deleting its folder, and then used SVM to adjust the insurance settings. Unexpectedly, we still couldn’t retrieve our equipment after dying. Normally, the doctor would only regretfully tell you that no equipment was found, but I’m certain this shouldn’t be the case because we adjusted the return rate to 100%. Could it be that the problem is caused by my failure to actually uninstall the mod successfully?

0 Likes

Would need to inspect server logs from when you died/raid ended to see what happened. Removing the mod folder is the proper way to uninstall

0 Likes

Thank you very much for your reply. However, we did not save the logs at that time. Now we have disabled all the mods related to insurance. So if we use this mod again in the future and encounter similar problems, I will provide you with the logs.

1 Like

All I can be sure of is that your mod is effective without using fika. And without using other insurance-related mods (such as SVM, etc.), we can hardly get any insurance returns in fika (there is nothing left after death and no emails). The absence of insurance returns after uninstalling this mod and enabling the SVM can be confirmed to be caused by SVM and has nothing to do with your mod. Can it be suspected that the problem is caused by fika or spt4.0?

0 Likes

It shouldn’t be Fika or SPT itself. There might be another mod affecting this, but I can’t say for sure which

0 Likes
TheDarkFox

items still gets taken if SimulateItemsBeingTaken is disabled

0 Likes

had to manually disable it in SPT configs

0 Likes
nightshadowm

Didn’t work, my insurance didn’t come back right away, i have SVM but didn’t changed nothing on insurance there.

0 Likes
G_nothing

I downloaded the mod and I played like 5 raids, none of my insured items came back immediately, I only received Prapor’s message.

0 Likes
[deleted at 2025-10-26 09:49:53]
javirare

Beautiful mod, trash return chance.

0 Likes
[deleted at 2025-10-26 09:50:25]

Same.

0 Likes

The return chance is based on the trader’s insurance return chance: Prapor 85%, and Therapist 95% default

0 Likes
RotInPixels

I have the ammo config set to false, yet still lost all ammo in my magazines when I died - did I misunderstand the setting or is this a bug? Love the mod btw, appreciate you

1 Like

It’s been fixed in version 1.0.1

0 Likes
Magovkin
[deleted at 2025-10-26 09:50:35]
[deleted at 2025-10-26 09:50:40]

Details