Insurance isn't in the game yet, in the current PTU any ship you buy, even those with in game money, can be reclaimed at any ship terminal when they get destroyed.
Yeah there's two systems you can explore and do pve/pvp missions in, you can run cargo or mine, do pve mercenary stuff or pvp bounties on players with crime stats. there's a good chunk of stuff to keep you occupied for a little while. Also the Stanton system is "pve" but you can still get pvp'd...
BIG TIME, especially when you consider they do dumb shit like this.
Can't imagine how much the budget for the game gets bloated (wasted) by hiring movie and TV stars to voice characters in the game.
I wonder how many of their backers actually give a damn about S42, I've spent some money on Star citizen and bought a few ships, and I've got a few hundred hours or so in the PTU, for me personally I couldn't give a fuck about S42 and think it's gonna flop hard.
Started using the afk xp servers last week, just let it run while I sleep or on my laptop while I do other stuff on my pc, almost made it to the end for the BF6 skins.