EDIT2: We got an answer, albeit slightly confusingly to start with because @discolando done goofed at using their posting tool. https://robertsspaceindustries.com/spectrum/community/SC/forum/3/thread/lti-notes-for-star-citizen-1-0/ From the sounds of it, all ships that are attributed to our account through the store or other means will have a permanent warranty meaning complete hull replacement. Is that a replacement to the insurance we see currently or will that be on top? If it's on top of the insurance we have listed, what tier of insurance do we get with ship pledges? If it replaces the existing insurance line items, how will the duration of our current insurance impact things or will it not matter anymore? EDIT: One of the people in my org made the chart below based on how everything was phrased. So mostly it comes down to what the impact of our insurance line items in pledges has and what happens when the limited insurance runs out for non-LTI. EDIT2: Updated picture with a new version of what my org mate made.