The more I play the more I see a need for ship insurance as well. Instead of the magical replacements we get now. When you lose a ship you should feel that you actually lost that ship. The positives are that you do get some money back from the insurance depending on which type of insurance you purchased for your vessel. This money can then be used to purchase the vessel again or try a different one. This will force players to be less aggressive with the ships they currently have imo.