Insurance Fraud (Port to 3.11) 1.0.0

Do not ask when mod authors will update their mods or if they can upload older versions of their mods.
Bothering mod authors will lead to warnings and repeat offenses will lead to bans.
Due to an unusually high volume of traffic, our site may be experiencing intermittent slowdowns. If you notice any issues, log out of your account and browse anonymously so you can better utilize caching or try using forge.sp-tarkov.com to search for and download mods.

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

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 2

  • 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