I'm not sure if the smaller pledges (they can go as low as $1.00 on Kickstarter) that don't offer a copy of the game qualify you for insurance.
As I understand it, if your pledge(s) gets you a ship, you have lifetime insurance on the ship that comes with your pledge.
On a personal note...
I did a little surveying of the Eve Online community just to see what the feeling was on Star Citizen. While there are a few mildly positive views it seems the majority of the community there is completely unaware of (or else completely silent on) Star Citizen--which really surprised me.
Of the few threads I found with any mention, only one really addressed Star Citizen directly--the other was focused on the Elite:Dangerous Kickstarter project.
On the sparse comments by Eve citizens addressing Star Citizen they can be summed up easily in two words: cynical and dismissive.
In fact, one of the resident board moderators--unbidden--closed the "What do you think about this?" thread and directed people to the Elite game discussion thread (which has no mention at all of Star Citizen)as a place for "those sort of discussions".
While I am maddened by Stardock's "cross-culture" board set-up at times, I am extremely appreciative of their complete openness in letting people post things that might not be directly in their own interest. The fact that this thread is sitting here is a real testament to their good attitude in that respect.
One of the things on the Eve Online forums I noticed was a repeating theme/meme that "all these other games are stealing the idea Eve invented". I'd actually say Chris Roberts is probably as instrumental in setting the stage for there to be a game like Eve as anyone else on the planet is.
Eve certainly "borrowed" from Wing Commander, Elite, Freelancer and many of it's predecessors.
It's a mistake to assume it's simply the game that has made each of these games popular--its the science fiction genre that has done it.
SciFi fans are what drove the prolonged success of Star Trek and Star Wars and made them into cultural memes world-wide. Roddenberry and Lucas were simply huge SciFi fans who wanted to see their dreams on the screen. The fervor for shows such as Firefly came from SciFi fans.
Coming full around to Sins of a Solar Empire...the reason I love the game is it "is SciFi" and smartly done with a need for intelligent play.
I'm really hoping they'll stay the distance and give us a mind blowing Sins II in their own time. I can wait.
Ok--I am officially bumped up to "lancer" now.