Always have a Rebuy
The most important part of Elite Dangerous is making sure your credit balance is enough to cover your current insurance premium. If you decide to fly without insurance and your ship is destroyed it is lost forever. Your insurance which is referred to as 'your rebuy' is based on the cost of your ship plus the modifications you made to it.
Your rebuy cost is listed next to your credit balance. If you have this insurance your ship and all modules will be returned to you at the nearest starport to your termination. In the event that your bank balance is not enough to cover the insurance you can either take out a loan which is paid off by being automatically deducted out of future profit or you can lower the rebuy cost itself by deselcting modules which will have to be repurchased and re-engineered if you modified them.
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