SunnyD
Belgian Waffler
I haven't been keeping up with the development, but this insurance thing seems like it could get expensive. I'm worried about getting micro-transaction to death in game.
Pretty sure you'll be able to keep up with insurance through in-game means.
Also, there are/have been options to pick up "permanent" insurance. I know I have permanent insurance on my ship already and won't have to spend another dime on it. Now if I purchase a different ship, that's another story.