This is something that can only have 1 of 2 answers, and doesn't need to have nuances explained. It is the better part of a decade overdue in getting an answer. But the lack of an answer to it can only be construed as 'shady' at best. Do paid ships, completely disappear, if lost while not insured? That is the whole question, Yes or No are the only viable answers. If Yes, you need to say so now, because you are earning hundreds of millions on pledges that can disappear from a single ignorant mistake and cost individuals hundreds or thousands of dollars. If No, elaboration would be welcomed, but is not currently required. Excuse the bluntness, but the answer has been pending since ship insurance became a thing almost a decade ago. So, Yes or No? Thanks.