Insurance Mechanic

🛡️ Description

Are you finding it too easy to make money on Rookie or Survivor difficulty, but dislike the harsh item loss in Hunter mode?

This mod introduces a balanced middle ground — a dynamic insurance system modeled after Escape from Tarkov. Instead of losing your gear on death, you’ll pay an insurance fee equal to 10% of the value of your carried items when entering a raid.

💸 Death now comes at a cost — not in gear, but in hard cash.

🧠 Strategic planning matters — choose your loadout wisely to minimize financial risks.

👀 Stay alert — carelessness could lead to devastating economic consequences.

The insurance fee is calculated automatically, and you'll be notified of the amount when speaking to the Conductor before a raid begins.

📦 Installation

⚠️ This mod requires GMLoader. Make sure it is installed and configured properly. You must launch the game via GMLoader for the mod to work.

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Use Vortex with standard installation steps.

🐞 Known Issue

• []If the player's money is below 0, and the value of items being sold is not enough to bring the total back above 0, the item cannot be sold.

  For example:

  []If the player has -500₽ and tries to sell items worth 300₽, the sale will fail.

• However, selling items worth 800₽ in the same situation will succeed, since it brings the balance back to +300₽.

Don't worry, just sell more valuable items.

• My Other Mod

  Loot Detail Added some item statistics to the item description section. Price per KG and Total count.