Insurance Fraud (Port to 3.11) 1.0.0

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If you discard any insured gear during a raid, it will come back to you with a 100% return rate.

Disclaimer: You install this mod at your own risk.


This mod generously simulates insurance fraud in live EFT by ensuring that all discarded insured gear will return back to you with 100% return rates (imagine you hid it in a bush or something).


By default, SPT insurance works through percentage rates that are set to 75% and 85% if you insure through Prapor or Therapist respectively. This rate will still apply for all insured gear that is equipped if you die in a raid, but any other insured gear that was dropped or moved to a container outside the inventory will be affected by this mod.


The original mod: Insurance Fraud

Thumbs Up 3

  • I thought this mod wasn't working because I had my insurance set to come back pretty much instantly with SVM but I think it doesn't take into account SVM settings because I just got back an armor I wore yesterday. It'd be awesome if it could do that in the future!

  • doesnt work for me, whether i die or survive nothing comes back.

  • This mod doesn't work for me. Maybe there's a conflict with me changing my SVM insurance settings?

  • не работает, после установки мода не все вещи возвращаются

    • Мод работает только в том случае, если вы выжили в рейде. Если вы погибли в рейде, то сработает обычная страховка игры, которая может ничего не вернуть.

  • Doesnt work for me, pretty much uninstalled every mod that could have something todo with it

    • What version of the mod do you have? 1.0.1?

      In what sense it doesn't work, please describe in more detail.

    • Got the version 1.0.0 Thats the only version that gets shown to me in the version tab.

      Explaining is a bit weird, it changes nothing for me essentially. i die and it doesnt return anything at all, at times maybe just a helmet or something else

    • The mod only works if you have survived the raid. If you died in a raid, then the usual insurance of the game works, which may not return anything.

    • Ohh i thought that it returns everything on death, my bad then

  • Thank you for porting. Do you know what happens if the player throws things away and dies afterwards?

    • Are some items not returned?

    • Didn't tried so far, was just wondering how the mod differentiate between how an item should be returned (%-vanilla or the 100% bring back)

    • I deleted the 100% refund version (1.0.1), as I suspected that there was a bug in this version that caused the therapist to not return the insured items at all. As soon as I fix it, I will revert to version 1.0.1.


  • Thank you!! I've been waiting for this mod to be updated

    Thumbs Up 1