Vehicle Insurance

Players insure the vehicles they own. Prices scale with the vehicle’s value, its category and the plan length.

price = max(minPrice, floor(vehiclePrice × basePctPerDay × categoryMultiplier × days))

Example: a $900,000 super car (multiplier 1.5) for 30 days with `basePctPerDay = 0.00005` costs **$2,025**.

Config.Insurance = {
    basePctPerDay      = 0.00005,
    categoryMultiplier = { super = 1.5, sports = 1.3, sedan = 0.9, military = 2.0 },
    defaultMultiplier  = 1.0,
    minPrice           = 100,
    plans = {
        { label = '7 Days', days = 7 }, { label = '30 Days', days = 30 },
        { label = '90 Days', days = 90 }, { label = '1 Year', days = 365 },
    },
}

Category names must match the vehicle categories of your catalog (vehicles table on ESX, shared vehicles on QBCore / Qbox). Buying a new plan while insured extends the current expiry date.

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