Okay, so, I’ve been playing Tarkov for a while now, and one of the things that’s always been a bit confusing is the insurance system. But, I think I’ve finally cracked the code and figured out the recent changes. Let me tell you about what I did.
First off, I started playing a bunch of solo PvE raids. Why? Because from what I’ve seen, you get a 100% return on your insured gear every single time. Well, except for Labs ’cause insurance just doesn’t work there. I kept running these raids, dying, and losing my stuff, but sure enough, it always came back to me.
Then I started messing around with the two traders who offer insurance, Prapor and Therapist. I insured some gear with Prapor first, and yeah, it was cheaper, but man, it took forever to get my stuff back. Plus, he didn’t hold onto it for very long. After that, I tried Therapist. She charged more, but I got my gear back way quicker, and she held onto it for a longer period. It was a bit of a trade-off, you know? Pay more, get it back faster and have it stored longer.
Another thing I tested was dropping my insured items during a raid. I’d find a nice bush or, even better, toss it in the water where other players couldn’t loot it. Every time I did this, as long as nobody picked it up by the end of the raid, I’d get my stuff back. It felt kinda sneaky, but hey, it worked.
Prapor vs. Therapist
- Prapor:
- Cheaper insurance.
- Takes longer to return gear.
- Shorter storage time.
- Therapist:
- More expensive insurance.
- Faster return of gear.
- Longer storage time.
I also heard some rumors about some mandatory insurance law in Tarkov. It’s kinda funny, but it got me thinking. What if you went into a raid without insurance? Some say UNTAR will hunt you down. I haven’t tested this, and honestly, I’m not planning to. It just sounds like a bad idea to me.
So, after all this experimenting, I feel like I’ve got a pretty good handle on how insurance works in Tarkov now. It’s not just about getting your gear back; it’s about finding the right balance between cost, return time, and storage duration. Plus, learning those little tricks like hiding your gear can make a big difference. I’ve been using these strategies a lot lately, and it’s really helped me keep my gear without breaking the bank on insurance costs. Oh, and I noticed there are some new objects and exfils on the map, also some new points of interest, though I haven’t explored those thoroughly yet, that might affect the risk/reward thing in the future.
In the end, it’s all about figuring out what works best for you and your playstyle. Hope this helps some of you guys out there. Good luck in your raids!
