What Is the Life Insurance Premium in Robocraft?
The life insurance premium in Robocraft refers to the in‑game cost players pay to insure their units against damage or death. Insured units return a portion of their value if destroyed, providing a safety net for expensive builds.
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How Premiums Are Calculated
Premiums depend on three key variables: unit cost, rarity, and the duration of coverage. The formula used by the game is:
Premium = Base Cost × Rarity Multiplier × Coverage Days ÷ 30
Base Cost
Each unit has a base price in in‑game currency. This price is the starting point for premium calculation.
Rarity Multiplier
Units are classified as Common (1×), Rare (1.5×), Epic (2×), or Legendary (2.5×). The multiplier increases the premium proportionally.
Coverage Days
Premiums scale linearly with the number of days you wish to insure a unit. A 30‑day policy is standard; longer durations raise the cost.
Sample Premium Table
| Unit Rarity | Base Cost (Coins) | Rarity Multiplier | 30‑Day Premium (Coins) | Source Type |
|---|---|---|---|---|
| Common | 1,200 | 1× | 1,200 | Game Data |
| Rare | 1,200 | 1.5× | 1,800 | Game Data |
| Epic | 1,200 | 2× | 2,400 | Game Data |
| Legendary | 1,200 | 2.5× | 3,000 | Game Data |
Benefits of Paying the Premium
Insuring a unit guarantees you recover 50% of its base cost if it is destroyed, regardless of the cause. This can be a game‑changing advantage in high‑risk battles.
When to Consider Insuring
Use life insurance for:
- High‑value strategic units that are costly to replace.
- Units that are essential for completing missions or objectives.
- Builds that have a low chance of being salvaged after combat.
Managing Premium Costs
Players can reduce expenses by:
- Insuring only the most critical units.
- Choosing the shortest coverage period that fits their strategy.
- Pooling resources with guild members to share insurance costs.
Conclusion
The life insurance premium in Robocraft is a straightforward cost that can protect your investment and keep your fleet operational. Understanding the calculation and strategically selecting which units to insure will help you maximize value while minimizing risk.