Insurance Not Working Tarkov

mnccertified

You need 3 min read

·

Post on Dec 01, 2024

28 visitor like this post

Share

Insurance Not Working in Escape From Tarkov: Troubleshooting Guide

Escape From Tarkov's insurance system is a crucial part of mitigating risk, but when it fails, frustration mounts quickly. This guide will walk you through common reasons why your insurance might not be working and provide detailed troubleshooting steps to get you back to looting and surviving.

Understanding Tarkov's Insurance System

Before diving into troubleshooting, let's briefly review how insurance in Escape From Tarkov works. Essentially, you pay a fee to insure valuable gear. If you die, there's a chance your insured items will be returned to your stash after a delay. However, several factors influence whether your insurance claim is successful:

• Insurance cost: Higher-value items cost more to insure.
• PMC vs. Scav: Insurance works differently for your PMC (Player Character) and Scav runs.
• Death location: Dying in high-risk areas decreases your chances of recovery.
• Server stability: Server issues can sometimes interfere with insurance processing.
• Item value: Extremely high-value items might have a lower chance of being returned.
• Insurance type: The type of insurance you purchase can affect recovery chances (if multiple tiers exist).

Why Your Insurance Might Not Be Working

Now, let's address the common culprits behind failed insurance claims:

1. Incorrect Item Selection:

• Problem: You might have accidentally left valuable items uninsured.
• Solution: Double-check your insured items before heading into a raid. Ensure that all items you intend to protect are selected for insurance.

2. Insufficient Funds:

• Problem: You might not have enough roubles to cover the insurance cost.
• Solution: Check your account balance before insuring items. Make sure you have enough funds to cover the total insurance cost of all insured items.

3. Server-Side Issues:

• Problem: Escape From Tarkov servers experience occasional outages or glitches affecting insurance processing.
• Solution: Check the official BSG website or community forums for reports of server issues. Wait for the servers to stabilize and try again.

4. Death Location and Circumstances:

• Problem: Dying in high-risk areas like heavily contested compounds or specific locations can negatively impact your insurance claim success rate. Additionally, dying to certain kill methods (e.g., headshot) might affect recovery.
• Solution: Be more tactical! Avoid unnecessary risks, and try to choose less contested areas if you are carrying insured gear.

5. Item Value and Insurance Limits:

• Problem: Extremely expensive or rare items might have a lower chance of being returned, even with insurance. There may also be hidden limits or thresholds on the total value of items you can insure.
• Solution: Be aware of these potential limitations. Insure your most valuable gear selectively and distribute your wealth.

6. Bug or Glitch:

• Problem: Occasionally, bugs within the game itself can prevent your insurance from working correctly.
• Solution: Check the Escape From Tarkov subreddit and other community forums for reports of similar issues. Waiting for a patch might be necessary if it's a known bug.

7. Insufficient Insurance Time:

• Problem: You might not have allowed enough time for the insurance process to complete. Insurance claims usually require several in-game days to process.
• Solution: Be patient. Check your insurance status after a reasonable waiting period.

Improving Your Chances of a Successful Insurance Claim

• Insure selectively: Don't insure every single item. Focus on high-value gear that would be a significant loss.
• Play strategically: Avoid unnecessary risks, especially when carrying insured items.
• Use a secure hideout: A well-organized and secure hideout can make a big difference in managing and protecting your gear.
• Keep an eye on server status: Avoid playing during periods of known server instability.

By following these troubleshooting steps and practicing smart gameplay, you can significantly improve your chances of recovering your insured gear in Escape From Tarkov. Remember to always check the official website and community forums for updates and known issues. Good luck, PMC!