/Delurk A player in my new campaign has asked about morph insurance. This would seem to be fairly sensible, based on how common house and car insurance is in this reality. From the rules: - Backup insurance is for egos (p269) as an infomorph. - Morphs can be rented at a cost of 1% per day (p278) which includes rental insurance. The rental insurance policy is designed to reduce risk of damage to the morph (no illegal activities, cannot be taken anywhere too dangerous, or lawless). Insurance covers only 80% of the morph's cost. The rules don't seem to cover normal morph insurance. My understanding of insurance is, in simple terms, its based around how much you want to insure something for and the probability of risk. My proposed new rule is morph insurance depend on how much you want to insure it for and the risk involved. Normal insurance is 2% of the value insured per month. Low risk insurance is 1% of the value insured, and high risk insurance is 3% per month of the value insured. Very high risk (e.g., combat, lawless areas etc) typically is not available. This is vaguely based in car insurance: http://www.valuepenguin.com/average-cost-of-insurance which seems to suggest that around 1% is not an unreasonable sum for low-risk insurance. This works out to be about eight years of value, with corresponding lower lifetime expectations depending on the morph's activity. Note in the Eclipse Phase universe, low risk would be quite sheltered, medium risk would be most normal professions, and most PCs would be in the high risk category at best, if available at all.