Synduality: Echo of Ada isn’t quite what you might expect from a mech game. It’s an extraction shooter, though with a large zoned world more akin to Apex legends, but without the PvP. It’s a fascinating experience by all means. The one thing it does make you certain of though is the immense rarity and value of a mech.

Death in Synduality is somewhat permanent. Somewhat in the sense that your Magus will always return to you eventually, but your mechs and goods are lost permanently. YYou can mitigate this a little bit though with some well-timed insurance. Because even in video games, you may’t escape your premium.

SYNDUALITY Echo of Ada menu showing items being insured.

What Is Insurance?

The world of Synduality is cruel, withboth NPCs and other players being able to attack and destroy you at will, and it only takes a few hits to meet your end. In the event of this, you either go down with your mech, or make a last minute break with your Magus. No matter what though, once your durability reaches zero,that mech is lost, forever.

Insurance gives you a chance to soften the blow. Before you head out on a sortie, you get the opportunity to insure your various pieces of equipment. These include your Cradlecoffin parts, weapons, and excavator. The items in your inventory can’t be insured, so try not to bring anything you can’t afford to lose.

SYNDUALITY Echo of Ada the upgrade menu for the insurance payout receiver to led you collect insurance faster.

The price of insurance scales with your equipment, and you can insure all of it, or on a piece-by-piece basis. Typically,insurance costs 10% of what the payout will be, though there’s no reclaiming the insurance premium if you don’t need to cash out. Just like reality.

Does Insurance Give You Back Your Lost Items?

The intent of insurance in Synduality is to ease the burden of losing your valued items. Not to replace them. Again, just like real insurance. So if you have rare items that can’t be bought or crafted, such as those from the deluxe or ultimate edition of the game,insurance will give you a monetary payout(if you’re able to afford the insurance in the first place), though the items are gone.

If you can buy them again, great!The value paid out will cover the majority of the equipment cost. In the event of needing to craft though, you’ll have to gather all the items back up again, and wait hours for them all to be crafted. In the event of exclusive items you might earn, such as those from the Drifter Pass,these are gone permanentlywith no way of getting them ever again.

Seriously, don’t bring equipment you can’t play without. There is genuinelyno way of getting them back.

Can You Speed Up How Fast Insurance Is Paid Out?

Here’s the next best thing about insurance -you don’t get it immediately. By default, you need to wait an hour after losing your insured items to actually claim the money from them. This can be done from the Collect Resources option in the Sortie menu.

Can you speed up how fast you get your insurance money? Yes, though you’re going to have to work for it. In the Living Space,you can upgrade the Insurance Payout Receiver. With each subsequent upgrade, the time is reduced to claim your money back. Each upgrade gets exceedingly more expensive and even rarer items. So it might just be worth it to wait it out.