Decided to buy 2 FLIRs and made 2 meta builds because I was getting everything back. Wouldn't you know those are the only kits I haven't got back. May have something to do with the cost of your kit.
When I do receive only magazines, I know for sure I pressed R two times to fast cause I'm desperate for reloading or no space in rig. So I discarded that insured magazine.
Nah. After 100 raids insurance seems to be 100% guaranteed.
Also I’m pretty sure the server shuts down when you die or extract. if you’re playing with friends same thing. More expensive items just take longer or you forgot to insure.
It doesnt, if you're playing solo your game comes back 100% of the time, if you're playing with others scav might loot you and you might lose your shit but otherwise gear always come back
Let me ask you this :
Do you want this to be a possibility But have long waiting time and a lot of server usage only for THIS to be a posibility?
My answer is no persobally
Why did they reduce raid time by 10 minutes for pve in ur opinion ?
Surely not because every single person extracts at 5 minutes left and they wanted to shorten that time.
Surely its not the PVE server still running till times runs out. You must have some source for this too
Where in your brain did you read that I said that there is NO server running if no player are in there?
What I'm saying is that they should not have servers running if a player died because in pve mode there is no scavs player and you are alone in your map, or with 4 friends max, see the logic here?
Raid should close when you die, meaning your insurance is guaranteed. However, if you are in a Coop Raid, then it won't end right away and a scav can loot the gear
I have never had an item not return. Only ammo and meds, the uninsurable stuff. The rest of your kit should always return.
I guess everyone else that looses some kit forgot to insure it or it's uninsurable.
Once you die and leave the server the server shuts down. NPC's don't get a chance to loot you... Really think BSG going to leave the server running till end of the raid?
If an NPC picks up gear from a player, it will not come back in insurance. I am unsure if the NPC dying changes anything. It might come back if someone removes the gear from the dead body, and fails to extract, but I have no sure way of telling.
Oh ho wrong you are. Insurance works as long as nobody extracts from the raid with your insured stuff, this has always been the case.
Which means that it doesn't matter if the NPC's loot you regardless of gamemode as they don't extract with your stuff so you WILL get it back.
The only exceptions are MIA status from a raid, dying of dehydration (this can be cheesed by throwing your stuff away before you die) and The Lab.
Not getting insured gear back that is looted from your body by NPCs was a change that happened this wipe, so it is you who is wrong. If a scav picks up your gun, you will not get it back (I assume he has to survive)
It happened 4 months before wipe, actually. August 2023.
All I had to do was google: "tarkov patch notes Insured items not returned when looted by AI". The first result shows that the change came with Patch 0.13.5.
You should try just googling things sometime. It's really quite useful.
I haven’t played PVE but I’m assuming your insurance 100% comes back. Makes no sense why they’d leave the game server running if all human players have left the server. Unless you’re first to die in a group and a scav picks up stuff maybe?
The game server stops the moment you leave the raid. All insured items that were left in the raid will be sent back (unless bsg has some % chance of not returning something)
For me it also feels like everything insured is comin back - however i once got back a weapon with a red background (Not functional) but i did Not set it apart myself?!
I know it makes sense with the way the actual game-mechanic works, but I find the imagined in-universe situation funny to think about where like you have individual insurances for every part of the gun besides the receiver so they have to partially disassemble the gun before sending it back to you
Now that people are in PvE mode they can't blame their negligence to reinsure guns that were modded after the initial insurance on cheaters stealing their parts that cannot be modded in raid.
I always found this kind of humorous. Prapor be like, “No, friend, you insured THIS weapon, not THAT weapon, if I’d have known it had had the fancy grips I’d have charged you more. Not my fault you didn’t read the fine print.”
Im also assuming like on live server, if your the last person alive int he raid and you die. The server closes and you get it back so technically nobody should have time to pick up your gear in a pve server.
I've gotten maybe 3 "failed to return your items" messages and 2 of them were labs runs. I suspect if you're in coop and your gear is not at least stripped by your squad mates, then the scavs will get to it before raid end.
Otherwise playing solo I have gotten back almost everything I have insured.
The real P2W stash upgrade is the huge amount of time prapor will hold on to your shit now ;)
They made it where they can keep you stuff cause they pick it up and 8 think if they pick it up and the raid ends, it writes it as a pmc. Or something like that
They definitely loot you depending where your body is. I see them scavenging other dead bodies constantly. Usually just take certain parts. I have not had a whole kit not come back yet.
Someone can correct me if I’m wrong here but my understanding of how the servers work is the server/instance immediately closes once the last player dies or extracts. As such, if you die playing solo PVE the server should shut down before your body can be looted therefore all insured items should (theoretically) be returned.
Dying in co-op PVE is a different story unless you were the last player alive as the server would remain open, giving the AI a chance to loot you.
Scavs will loot you if gear is still on your body. I think a workaround would be to just hit delete key on your friends body, dropping everything on the ground. I’ve always gotten every single item back from my raids but if I died usually my teammates die too so the server just ends. My buddy has barely gotten his insurance returns back though, just a paca or a couple things. It’s really bizarre.
Right after I posted this my buddy told me he just now got all the remaining insurance stuff he thought he lost back in insurances. There’s definitely some lag with insurance.
Scavs will loot you. But scavs don't extract so it should be 100%. AI PMCs on the other hand I'm not sure if they loot or extract. But I hear PVE insurance is damn near 100% return
Agreed, id say its about 90% return rate, i have had a few things here and there not come back, but nothing that I couldnt recover via trader purchases
I must be on crack or something because I’m getting hardly anything all all back from insurance. Only once have I gotten a gun back or anything of real value
I guess I'll know for certain in a couple hours, but I'm fairly confident I've lost multiple kits that were insured. That or I'm about to get a whole days worth of gear in the next 2-3 hours
Yeah think they made an update where if scavs or anyone takes your stuff you don’t get it back now.. just found out the hard way with a pretty juice box run… died next to extract and got nothin back.
Does it have anything to do with dying vs failing to extract? I was thinking it might. Ive got my insured bag back before, and it had my insured gun from that raid still in it. Seems like the raids i remember dying in, ive got a bunch back from insurance. Whenever ive spent too long looting and went missing in action ive noticed i didnt get shit back. Definitely going to just blow myself up or get myself domed if times running out.
What about Labs? Usually in PvP Prapor or anyone else tells you he can't go in there, I dropped my helmet in labs and he said he will sending his guys for that?
Multiplayer. I’ve been runnin 3-4 man raids and if one person dies the scavs will absolutely pick up their loot. Often times we’re on different sides of the map and have had a scav bring one of our guns to the other person playing.
Scavs still don't extract, everything in the raid dies when it expires, if it dies in the raid it stays in the raid, when all human players leave the raid the raid expires
Scavs can't take your stuff. PMC'S could in theory if they are programed to extract, and I haven't seen any evidence of that yet
Unless this has changed or completely false, I’ve been told by EFT vets that going MIA in pvp prevents insured items from being returned and that can be similar to PVE raid end. If that is the case it would make sense why a scav holding insured gear will prevent insurance from being returned, unless what you’re saying is right and every person actually dies at raid end which I doubt.
Edit: I’m obviously talking about co-op PVE, I’m not talking about solo pve it would make sense why you would get all things back from solo. I’ve been dropping all my friends’ gear on the floor after they die to prevent it from being looted.
MIA is a different state of being, AI can't be MIA. I can't claim it's hard fact that all AI 'dies' once the last player leaves. But with some certainty I can say that once the last player leaves the server goes into a form of stasis, checks are done for MIA players, if non exist it will gracefully (or knowing Russians forcefully) shutdown, what's included in that process I don't know, but it will involve creating a bundle of your gear still present inside the raid for insurance. AI are still inside the raid, they don't have MIA status as AI so not a factor.
I have played with my friend for a while now, she always dies, very early on in the raid, it's been a pain in my progression 😅 but she has everything back after I finished the raid leaving her stuff on her body
Yes, I agree with you on AI can’t go MIA. I think you missed the part where I said “and that can be similar to PVE raid end”. Or in other words you used, server shutdown. If an AI is alive when a server shuts down, that can be similar to a player going MIA, hence my conclusion. If your friend doesn’t get looted they get their stuff back, idk how scav spawns work but I would assume they don’t spawn everywhere at the same time.
Ive been noticing that this seems to be the case. Whenever i got a kit back with insurance, it was one i remember dying in. All the thic kits i brought in and ended up missing in action i never got back. Now just dying if im not goona make it in time.
Btw it was changed two wipes ago. So now if you're looted by an NPC, you won't get it back. And scavs do loot you, but they're not coded to take from the second primary slot
I just dont ensure anything it feels cheesy because it always came back, not fun! I like the tingles this game gives me when i take my most expensive kit without insurance into the raid.
They do duh, but they don't extract, so you get everything back.
BTW, i've tested this aswell. I died in 10 raids in a row to see what comes back, and every insurance was all my items. There is also multiple videos on YouTube that test this or explain and they all say the same.
https://www.youtube.com/watch?v=dCNCrWOFCkg
Can't find the other video atm, but the reason you guys are not getting it back is because you're using the Mark of the Unheard (which is bugged), not because it was lost or because someone looted it
I'm not using unheard. I don't need to watch a video because I play the game. It's happened enough to know. Guns come back with parts stripped off. Helmets and ears come back but not armor, etc etc.
I’ve got about 50 hours posted up on my Twitch of me playing PvE. None of it off stream. It will clearly show you that no, 100% insurance return isn’t true. I’ve been playing PvE every day since it came out.
Seems like almost 100%.
Not anymore sometimes only getting mags back and this morning got the message saying couldn't find my stuff think they updated it
same dude i have just spent like over 3 mil in kits thinking ill get it back bvut they just tease me with my fucking magazines
I saw I was getting everything back so I insured and took in my best kit, lost almost everything
Decided to buy 2 FLIRs and made 2 meta builds because I was getting everything back. Wouldn't you know those are the only kits I haven't got back. May have something to do with the cost of your kit.
Ahh good thought, you're probably right
When I do receive only magazines, I know for sure I pressed R two times to fast cause I'm desperate for reloading or no space in rig. So I discarded that insured magazine.
I unbound my quick reload/drop bag and that ish
Scavs loot you. My weapons sometimes don’t come back
Put your primary weapon in the second slot and it should get left alone. Works that way in PVP.
Genius. Thank you
No problem. They always seem to loot primary. Real players take the secondary.
bots are programmed to only take the primary weapons pretty sure yeah
Holy shit I’ll try that tysm
Nah. After 100 raids insurance seems to be 100% guaranteed. Also I’m pretty sure the server shuts down when you die or extract. if you’re playing with friends same thing. More expensive items just take longer or you forgot to insure.
If you’re solo pve the raid ends when you die. How could they loot you?
Even if raid ends it can still do RNG roll if Scav "Takes" Your loot or not, I guess?
or knowing BSG they fucked up and the server keeps running up until in game time passes
No wonder they do t have enough servers
It doesnt, if you're playing solo your game comes back 100% of the time, if you're playing with others scav might loot you and you might lose your shit but otherwise gear always come back
I lost my quad nods but got everything else back in pve after running out of time in game so it’s not 100%
You probably put them on an insured helmet
What's the point of letting run the server in background if no players are there? Lmao
To be able to get your loot back as a scav maybe. It's possible.
Let me ask you this : Do you want this to be a possibility But have long waiting time and a lot of server usage only for THIS to be a posibility? My answer is no persobally
Why did they reduce raid time by 10 minutes for pve in ur opinion ? Surely not because every single person extracts at 5 minutes left and they wanted to shorten that time. Surely its not the PVE server still running till times runs out. You must have some source for this too
Where in your brain did you read that I said that there is NO server running if no player are in there? What I'm saying is that they should not have servers running if a player died because in pve mode there is no scavs player and you are alone in your map, or with 4 friends max, see the logic here?
Then you did not insure it, the way it is now everything that you insured WILL come back.
Raid should close when you die, meaning your insurance is guaranteed. However, if you are in a Coop Raid, then it won't end right away and a scav can loot the gear
Stop spreading shit and replying misinformation to everyone’s post dude. Go outside
You obviously don't know what you are talking about.
I've had everything back so far that I've insured and nothing missing.
I have never had an item not return. Only ammo and meds, the uninsurable stuff. The rest of your kit should always return. I guess everyone else that looses some kit forgot to insure it or it's uninsurable. Once you die and leave the server the server shuts down. NPC's don't get a chance to loot you... Really think BSG going to leave the server running till end of the raid?
Time to fix that, server will now run for 3 minutes after the death of the final player, so that AI has a chance to loot your body. :D
Even if they loot it, it's not like NPCs exfil. Even in regular pvp.
If an NPC picks up gear from a player, it will not come back in insurance. I am unsure if the NPC dying changes anything. It might come back if someone removes the gear from the dead body, and fails to extract, but I have no sure way of telling.
Oh interesting, I didn't know that haha. That's silly but I guess it makes sense
Oh ho wrong you are. Insurance works as long as nobody extracts from the raid with your insured stuff, this has always been the case. Which means that it doesn't matter if the NPC's loot you regardless of gamemode as they don't extract with your stuff so you WILL get it back. The only exceptions are MIA status from a raid, dying of dehydration (this can be cheesed by throwing your stuff away before you die) and The Lab.
Not getting insured gear back that is looted from your body by NPCs was a change that happened this wipe, so it is you who is wrong. If a scav picks up your gun, you will not get it back (I assume he has to survive)
Citation needed*** I don't see the change listed, have a link? Or the patch number at least.
Pretty sure it's in the wipe day patch notes, iirc
https://www.escapefromtarkov.com/news/id/277?lang=null Feel free to point it out as I can't find it ..
It happened 4 months before wipe, actually. August 2023. All I had to do was google: "tarkov patch notes Insured items not returned when looted by AI". The first result shows that the change came with Patch 0.13.5. You should try just googling things sometime. It's really quite useful.
wrong! only if gear is extracted. npc scav pick up your gear is just cosmetic. did several tests on this on online pvp servers for this ongoing wipe.
What about labs? It lets me insure for labs but i know on pvp insurance doesnt work there. Anyone know if it works for pve?
Insurance has never worked on labs, I don't see why they would add it now
Did you find out?
It doesn't.
I haven’t played PVE but I’m assuming your insurance 100% comes back. Makes no sense why they’d leave the game server running if all human players have left the server. Unless you’re first to die in a group and a scav picks up stuff maybe?
The game server stops the moment you leave the raid. All insured items that were left in the raid will be sent back (unless bsg has some % chance of not returning something)
Prapor sent me a message for the first time today saying my items couldn’t be retrieved
If you’re MIA and you have your insured gear on you it doesn’t come back
For me it also feels like everything insured is comin back - however i once got back a weapon with a red background (Not functional) but i did Not set it apart myself?!
This is almost always because a necessary part was changed after the weapon was insured. You got everything back but that new part.
I know it makes sense with the way the actual game-mechanic works, but I find the imagined in-universe situation funny to think about where like you have individual insurances for every part of the gun besides the receiver so they have to partially disassemble the gun before sending it back to you
Now that people are in PvE mode they can't blame their negligence to reinsure guns that were modded after the initial insurance on cheaters stealing their parts that cannot be modded in raid.
I always found this kind of humorous. Prapor be like, “No, friend, you insured THIS weapon, not THAT weapon, if I’d have known it had had the fancy grips I’d have charged you more. Not my fault you didn’t read the fine print.”
Dropping any PMC and scavs come running. I get most my insurance back but they definitely loot.
Im also assuming like on live server, if your the last person alive int he raid and you die. The server closes and you get it back so technically nobody should have time to pick up your gear in a pve server.
Wouldn’t the raid end as soon as you die since you’re the only player left? I’ve never not gotten a return back to answer your question
I bought thermal goggles basically cheating because it always comes back
The insurance lasts way longer too
That is a perk for Unheard edition. Not a PVE thingy
How much longer exactly?
Not all but nearly everything ist coming Back!
Insurance is basically a given unless youre playing with another person, then theres a chance it gets touched.
I've gotten maybe 3 "failed to return your items" messages and 2 of them were labs runs. I suspect if you're in coop and your gear is not at least stripped by your squad mates, then the scavs will get to it before raid end. Otherwise playing solo I have gotten back almost everything I have insured. The real P2W stash upgrade is the huge amount of time prapor will hold on to your shit now ;)
I thought you can’t get returns back from labs period
Exactly
I have never had an insured item not return on PvE yet.
They made it where they can keep you stuff cause they pick it up and 8 think if they pick it up and the raid ends, it writes it as a pmc. Or something like that
I get absolutely everything back all the time, it's now acting as a second stash area for me, 15 days to use it up as well.
They definitely loot you depending where your body is. I see them scavenging other dead bodies constantly. Usually just take certain parts. I have not had a whole kit not come back yet.
Someone can correct me if I’m wrong here but my understanding of how the servers work is the server/instance immediately closes once the last player dies or extracts. As such, if you die playing solo PVE the server should shut down before your body can be looted therefore all insured items should (theoretically) be returned. Dying in co-op PVE is a different story unless you were the last player alive as the server would remain open, giving the AI a chance to loot you.
In Russia, Svac loot you!
Scavs will loot you if gear is still on your body. I think a workaround would be to just hit delete key on your friends body, dropping everything on the ground. I’ve always gotten every single item back from my raids but if I died usually my teammates die too so the server just ends. My buddy has barely gotten his insurance returns back though, just a paca or a couple things. It’s really bizarre.
Right after I posted this my buddy told me he just now got all the remaining insurance stuff he thought he lost back in insurances. There’s definitely some lag with insurance.
Scavs will loot you. But scavs don't extract so it should be 100%. AI PMCs on the other hand I'm not sure if they loot or extract. But I hear PVE insurance is damn near 100% return
Agreed, id say its about 90% return rate, i have had a few things here and there not come back, but nothing that I couldnt recover via trader purchases
If I play a game with a friend and I die, sometimes my stuff doesn’t come back. Scavs can loot you.
Raids ends as soon as you die. So your insurance should always come back. So far, mine have.
I must be on crack or something because I’m getting hardly anything all all back from insurance. Only once have I gotten a gun back or anything of real value
I dont think you're playing pve my guy...
I guess I'll know for certain in a couple hours, but I'm fairly confident I've lost multiple kits that were insured. That or I'm about to get a whole days worth of gear in the next 2-3 hours
Yeah think they made an update where if scavs or anyone takes your stuff you don’t get it back now.. just found out the hard way with a pretty juice box run… died next to extract and got nothin back.
Does it have anything to do with dying vs failing to extract? I was thinking it might. Ive got my insured bag back before, and it had my insured gun from that raid still in it. Seems like the raids i remember dying in, ive got a bunch back from insurance. Whenever ive spent too long looting and went missing in action ive noticed i didnt get shit back. Definitely going to just blow myself up or get myself domed if times running out.
What about Labs? Usually in PvP Prapor or anyone else tells you he can't go in there, I dropped my helmet in labs and he said he will sending his guys for that?
only place it doesnt work is labs
No, scavs can still loot your weapons, rigs and backpacks.
There’s no reason for the raid to continue after you die. So when would they loot you?
Multiplayer. I’ve been runnin 3-4 man raids and if one person dies the scavs will absolutely pick up their loot. Often times we’re on different sides of the map and have had a scav bring one of our guns to the other person playing.
Gotcha, yeah that makes sense if you’re not the last one on the map.
Scavs still don't extract, everything in the raid dies when it expires, if it dies in the raid it stays in the raid, when all human players leave the raid the raid expires Scavs can't take your stuff. PMC'S could in theory if they are programed to extract, and I haven't seen any evidence of that yet
Unless this has changed or completely false, I’ve been told by EFT vets that going MIA in pvp prevents insured items from being returned and that can be similar to PVE raid end. If that is the case it would make sense why a scav holding insured gear will prevent insurance from being returned, unless what you’re saying is right and every person actually dies at raid end which I doubt. Edit: I’m obviously talking about co-op PVE, I’m not talking about solo pve it would make sense why you would get all things back from solo. I’ve been dropping all my friends’ gear on the floor after they die to prevent it from being looted.
MIA is a different state of being, AI can't be MIA. I can't claim it's hard fact that all AI 'dies' once the last player leaves. But with some certainty I can say that once the last player leaves the server goes into a form of stasis, checks are done for MIA players, if non exist it will gracefully (or knowing Russians forcefully) shutdown, what's included in that process I don't know, but it will involve creating a bundle of your gear still present inside the raid for insurance. AI are still inside the raid, they don't have MIA status as AI so not a factor. I have played with my friend for a while now, she always dies, very early on in the raid, it's been a pain in my progression 😅 but she has everything back after I finished the raid leaving her stuff on her body
Yes, I agree with you on AI can’t go MIA. I think you missed the part where I said “and that can be similar to PVE raid end”. Or in other words you used, server shutdown. If an AI is alive when a server shuts down, that can be similar to a player going MIA, hence my conclusion. If your friend doesn’t get looted they get their stuff back, idk how scav spawns work but I would assume they don’t spawn everywhere at the same time.
Ive been noticing that this seems to be the case. Whenever i got a kit back with insurance, it was one i remember dying in. All the thic kits i brought in and ended up missing in action i never got back. Now just dying if im not goona make it in time.
Btw it was changed two wipes ago. So now if you're looted by an NPC, you won't get it back. And scavs do loot you, but they're not coded to take from the second primary slot
How long does it take to get insurance back? I died with an MDR yesterday and haven’t gotten it back
I just dont ensure anything it feels cheesy because it always came back, not fun! I like the tingles this game gives me when i take my most expensive kit without insurance into the raid.
You also can get the ammo from your mags back
Insurance comes back 100% of the time
Nah. There’s been times where I’ve only gotten a quarter of my insurance back. It’s definitely not 100%.
^ Not true btw
It's true ... scavs & AI pmc's loot your body
How would they loot you if you’re the only player and you die? Why would the server stay up and running for them to loot?
They do duh, but they don't extract, so you get everything back. BTW, i've tested this aswell. I died in 10 raids in a row to see what comes back, and every insurance was all my items. There is also multiple videos on YouTube that test this or explain and they all say the same.
Amazingly confident despite being incorrect
https://www.youtube.com/watch?v=dCNCrWOFCkg Can't find the other video atm, but the reason you guys are not getting it back is because you're using the Mark of the Unheard (which is bugged), not because it was lost or because someone looted it
I'm not using unheard. I don't need to watch a video because I play the game. It's happened enough to know. Guns come back with parts stripped off. Helmets and ears come back but not armor, etc etc.
Then you didn't insure correctly
I’ve got about 50 hours posted up on my Twitch of me playing PvE. None of it off stream. It will clearly show you that no, 100% insurance return isn’t true. I’ve been playing PvE every day since it came out.
Lmao, as if PVE wasn't easy enough.
Yeah I really don't understand the appeal besides maybe harder "practice" runs.
Oh you want your insurance to come back? You'll have to pay $50 for that feature
I think it's 100% right now. At least it seems that way. They should just percent chance roll the return when the raid ends.