Insurance – Supply & Demand | The idea here is to make common & cheaper ships more easily replaceable and available, you’ll lose all items on it & be given a stock model when one is available. Insurance will be cheaper with those common ships & if you lose the ship it will be replaced quickly.
Whereas more expensive ships could potentially take days to replace based on where it is on the Queue, if lots of Super Hornets keep dying then it could be a bit of a wait for the next one.
The mortality of your ship & player will be much more important, they want you to look after your ship and your character with consequences.
Erin didn’t specify if ships were going to purchasable in 3.0 with aUEC, so I suspect that omission means it’s unlikely BUT we will have to wait and see.