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- Insurance does not guarantee you a gear-refund, it will work only with the insured item which has not left the location before the end of the raid.
- If you leave the raid with the status "Missing" - insurance will not work on items that are on your character and in his inventory.
- The insurance returns only the insured item itself, without its contents, if it was not insured.
- You can pick up insured items at the messages section from the merchant with whom you had insured them. From the moment of the insurance return, the timer is activated, after it will end the item will disappear.
- Consumables can not be insured - medicines, food, cartridges, grenades
- Insurance is not valid at some locations, for example, at the "Laboratory"