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[–] CaesarAugustus 0 points 2 points (+2|-0) ago 

1) Yes. I think of it like War thunder, you pay if you wanna avoid teh grinde. This spoils the game for me, so I`d never do it (that and I have no money).

2) Insurance is what you buy unless you want to lose your shiny new ship forever after a single bad gunfight ;) Also if you buy a ship with real money, it will always have free insurance, because real moneis is real.

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[–] Demandred ago 

Ok, is the insurance purchasable with in game money or only real money?

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[–] CaesarAugustus 0 points 1 point (+1|-0) ago 

In-Game.

In fact, i believe its been said by the devs that once the game launches you will only be able to buy in-game currency, no ships or guns etc.