Insurance costs a fraction of what it would take to replace your gear, and understanding how it works will help minimize your losses. Insurance allows you to recover your items so long as they haven’t been extracted by the end of a round. If you start a healing animation, you can open your inventory and start repacking while the animation plays in the background. Loose ammo means you have to spend time repacking magazines, but you can actually reduce a lot of that time by doing it while you heal. Carrying loose ammo allows you to repack a magazine in-raid, and while it takes more time can save you a lot of expense and offer more space both in your normal inventory and in your secure container. You don’t have to limit yourself to carrying extra magazines, this consumes a lot of inventory space and costs money. Escape From Tarkov: How to Kill Raiders 1.
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