Insurance for ship and cargo and rules for salvage

[Sty0pa]

That said, there's no reason why cargo insurance wouldn't be available, but it definitely isn't included in the cost of the goods. That stuff is stupid expensive IRL for ships doing the kinds of trips PCs take (ie going to places where you are likely to run into pirates or flying on antique small traders with ragtag crews).

Typical IRL ocean freight insurance is $4.50 per $1000 cargo value. Maybe $6.50 to rough waters. Convert to 5cr per 1kCr value declared?
Most IRL ocean claims take about 6 mo to clear.

 

[Sty0pa]

I'm allowing the salvage rules, but unless it's a particular circumstance, 'found salvage' (eg Flatlined if the crew (ahem) end up dead) characters had to file a salvage claim, they'll get the broker-amended salvage claim after 1 year of probate in which other interested parties can file competing claims.
OTOH they wasted a 'particularly daring pirate' essentially while observed by local authorities who were rushing to the scene; in this case they were immediately granted salvage rights to the ship and the cargo whose owners were indeterminate. The local authorities offered to pay the official 'discounted immediate value' (kind of like a payday loan) as the characters don't want to hang around the weeks it'll take to dispose of the salvageable parts of the wreck.

 

[swordtart]

The cost of insurance will depend on how dangerous your individual campaign is. If unopposed piracy is (or starport scams) rife premiums will be high. If most cargo carriage is routine then premiums will be low (and probably irrelevant). If your ship is old or its paperwork is out of date (service over due etc.) then your premiums will be higher than a captain in a well maintained ship.