Exploration in Synduality: Echo of Ada comes with its fair share of challenges, and the price of failure isn’t always forgiving.
If your mech goes down or your gear is lost, it’s gone for good unless you have a backup plan. That’s where the insurance system comes in.
Here’s everything you need to know about insurance in Synduality.
How Insurance Works
Before you head into any mission, you can insure your equipment, including your mech parts (Cradlecoffin), weapons, and excavation tools.
This gives you some backup if you lose items on tough runs, though not everything makes the cut.
Specifically, anything in your inventory, such as consumables or materials, cannot be protected.
When getting ready for a mission, be smart about what you bring—if you can’t afford to lose it, don’t take it.
Insurance costs depend on the value of the items you cover, usually around 10% of their worth.
This premium is paid per item, so you can choose to insure only your most valuable or essential gear.
With this system, you can lower the risk of losing out, but there’s a catch.
Simply put, Synduality’s insurance gives you a financial cushion when your insured gear gets wiped out.
However, the insurance covers the loss, but it won’t return the items themselves.
While insurance softens the blow by reimbursing you for the monetary value of your gear, it does not return rare or unique items.
If you happen to lose something from a limited edition or exclusive content (such as items from the Drifter Pass), insurance will only cover the loss with a payout.
You’ll need to repurchase or re-craft these items, which can be time-consuming and costly.
The insurance will usually cover most of the cost for things you can easily replace or make.
Insurance will not replace it if it is rare or difficult to make, but it will provide money to help you get back on your feet.
One downside to the insurance system in Synduality is the wait time after a loss.
If your insured gear fails, you’ll have to wait an hour before you can claim your insurance.
That wait can feel endless, especially when you're itching to move on and replace your missing gear. However, there’s a shortcut to speed things up.
There’s an upgrade in the game’s Living Space called the Insurance Payout Receiver that you can invest in.
This upgrade gets your payout to you faster, so you can claim your insurance money sooner.
Like most things in Synduality, upgrades only get more expensive and resource-heavy, so choose carefully.
Upgrading can help you recover faster, but you’ll have to decide if the convenience justifies the cost.
To further enhance your insurance experience, there’s also the Piggy Bank upgrade.
This lets you pile up insurance payouts over time, so you're not caught off guard later.