Cannot insure gear, says items unavailable to insure. Mods involved, details within.

I haven't been able to insure any of my starting gear, nor a new rig I managed to pull from a Raid I went into uninsured.

Using AIO and the Configurator, I have supposedly set insurance prices to zero, and insurance chances to maximum, so that, should I die, I don't lose anything of consequence, for a more casual experience.

However, attempting to insure anything leads to a text box saying 'Item is unavailable for insurance.'

What is causing this and what is the solution?

I completely forgot about this thread.

It was solved long ago, turns out setting the insurance cost multiplier to 0 prevented things from being insured because money HAS to be paid.