Ship Reconstruction Tokens - New Boss?

[MoreChainguns!]

We've all been there. A pirate got our merchant, or a Hunter got our exploration ship after it wandered too close to the center of the galaxy.

You go back to your Reconstruction Dock, and hand over a Token to get it back for free.

Now, in real life, if your car gets destroyed, you go to your insurance company to get some money back. If they believe you, then you get your money back.

So, here's my proposal:

After you get a couple thousand credits, then you are contacted by an 'Insurance Merchant' who flies into your system. He offers you a few different 'insurance plans': 

Small (100 credits / week) 

Medium (500 credits / week)

Large (1000 credits / week)

Extra Large (2000 credits / month)

Supermassive (10,000 / year)

Each will give you differing amounts of money back when you come back to your Dock.

Now, here's where my proposal splits: Either, 

1.) The company is passive, and gives you back your ship for free, but you have to provide a piece of evidence (say, a hull block from the wreck) to get money

Or,

2.) The company is the same as above, but is also a faction in their own right, maintaining several systems and a large fleet near the Galactic Center. If you default on your payments, or if you try to commit insurance fraud, they will send an 'Enforcer' after you.

 

Now, here's another divergance of ideas:

Either:

1.) The insurance company's main HQ station is a boss on the level of the MAD Science Lab

Or:

2.) It's a relatively easy boss that an early-level player could complete with a good ship.

Your thoughts?

[unbekannt1984]

We had an insurance for ship some years ago, everytime you changed your ship, you had to check your insurance, too.

Well, that insurance gave you just the money for a ship, the materials, the crew and the gear were not replaced.

 

And BTW: That insurance sent you a mail "Insurance Fraud", when you just crashed your ship into an asteroid.

 

I think, the Reconstruction-Tokens are a lot better and save you a lot of work.

[MoreChainguns!]

Would it be better if the insurance company was the supplier of the Reconstruction Tokens?