The pvp loot as you say isnt an immediate issue (as only im crazy/rich enough to run t2

), but i'd rather have the system in place and just not payout till losses outweigh insurance - I'll amend the wording in a second to reflect this.
As for the rest - The program just had a slight tweak on the insurance front, partially on your concerns and partially on my own thoughts.paranoia

The program only insures BC/BS as I have written, however the addition is now it only insures the FIRST ship of that class you purchase - and yes I now have a spreadsheet!
Edit: I have realised that given cost of insurance and overall profitability of missions for people as they get into L4's - and in M10 the new mission arcs - I dont think paying insurance is as big an issue as I thought it was, its the actual buy-in cost for new toys that becomes prohibitive.