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When an adventurer's ship is destroyed, one of the following happens:
Escape pod installed:
The player manages to escape, using this pod. The pod is lost, as is the ship's cargo. After returning to the homeplanet, insurance issues a new ship of the same model as the lost one - including equipment lost (except for the escape pod).
No escape pod installed:
The player dies and has to be cloned from stored genetic material and brain waves on his homeplanet. This results in a temporary loss of 50% of all basic skills for about 23 - 24 hours. In addition to the cargo, one random piece of equipment (including armor) is also lost - but this will never be your engine. A ship of the same model as the lost one is restored.
Actual basic skills can never fall below 9.
In both cases, 5% of the experience points, 1.5% of your basic skills as well as 1000 APs are lost, and every piece of equipment takes 15% condition-damage. Premium Accounts lose only 4% of their experience points and 1.2% of their skills.
Planet sales: 10,000
Scrap value: 5,000