Death Insurance

Death Insurance
Provided by	Bank Teller
Location	Bank
Cost	25, 60 or 150 Gold (one policy at a time)

Death Insurance lets you protect the gear you carry out of the Bank. Buy a policy from the Bank Teller, and when you die your covered items are held in a claim instead of dropping into your grave. A monster or boss death covers the most; since 2 November 2026 a death to another player covers your weapons and the armour you wear. Talk to the Bank Teller again to take them back or not.

Where to buy

Talk to the Bank Teller in the Bank and choose 🛡️ Death Insurance. It opens its own window with your status (Not insured, your active tier, or Claim waiting), the three policies, and any claim that is waiting for you.

While a claim is waiting, the Bank Storage window also shows a notice at the top: Insurance claim waiting — talk to the Bank Teller.

Tiers

Tier	Price	Killed by a monster or boss	Killed by a player
Basic	25 Gold	Swords and tools (relics and wear are kept)	Your swords
Standard	60 Gold	Everything in Basic, plus your armour and your Bow	Your swords, your Bow and the armour you are wearing
Premium	150 Gold	Everything in Standard, plus the resources and potions you carry (up to 5,000 of each type per claim), plus your scrolls	The same as Standard

• The price is paid from the Gold in your inventory; gold in the bank doesn't count. The gold is gone for good, even if you never use the policy.
• You hold one policy at a time. It never expires and can't be traded.
• A policy is used up only when you accept a claim.

What is covered

• Only what you carried out of the bank. The game remembers the coverable items in your backpack, hotbar and worn armour when you buy the policy and every time you visit the bank. A claim can hold at most that much of each item, so anything picked up since your last bank visit — loot from the fight, a looted grave, resources gathered on the trip — is never covered.
• After a death, that record is cleared. Visit the bank again before your next trip to be covered again.
• Scrolls (Premium only). A carried scroll still burns when you die, but with a Premium policy the claim can bring it back: accept the claim and the scroll returns to your bag with its progress kept. Scrolls can't be banked, so they don't need to have been in the bank with you; any scroll you were carrying is covered. Accepting needs a free bag slot for it.
• Never covered, whatever the tier: carried gold, keys, kits and furniture. Mounts, cosmetics and pets are never lost on death anyway.

Which deaths count

Every death counts, but what is covered depends on who killed you (see the table above).

• The killing blow decides. If another player lands the killing blow, it is a PvP death. A death where a player softened you up but a monster finished you is a monster death, and a monster softening you up doesn't make a player's finishing blow a monster death.
• If the game didn't record the killing blow, the death counts as PvP when another player had been hitting you just before it.

Killed by a player

Since 2 November 2026 a policy also works when another player kills you, for your weapons and the armour you wear:

• Basic keeps your swords. Standard and Premium keep your swords, your Bow and the armour you were wearing.
• Swords and the bow count whether they were on your hotbar or in your inventory. Spare armour in your bag is not covered.
• Tools, resources, potions and scrolls are covered only for monster and boss deaths.
• Everything the claim doesn't keep drops into your grave for the killer as normal.
• The same rule as always applies: only what you carried out of the bank is covered.
• The claim works the same way: accept it at the Bank Teller to get the items (this uses up the policy), or decline it to keep the policy.

Claims

When a covered death happens, you're told "Death insurance kept N items out of your grave. Talk to the Bank Teller to claim." (with Premium it also says it can bring back your scroll). The rest of your items drop or are lost as normal.

In the Bank Teller's Death Insurance window, the claim lists the items it kept and any scroll it can bring back. You choose:

Choice	What happens
Accept	The items go into your bank, any covered scroll returns to your bag with its progress, and the policy is used up.
Decline, keep policy	Everything stays lost, as in a normal death, and your policy stays active for your next death.

• Accepting needs enough free bank slots for the whole claim. If there isn't room you're told how many slots it needs, and nothing moves until you make room and accept again.
• A claim not settled within 7 days declines by itself (the items are lost, the policy stays active).
• While a claim is waiting you can't buy another policy.

Tips

• Bank first, then head out: a policy covers what you were carrying the last time you were in the bank.
• For PvP areas, Standard covers as much as Premium. Premium only adds cover for monster and boss deaths.
• In the Venomweaver's cave a death normally destroys everything you carry; with a policy, the covered items go into the claim instead.
• Premium is the only tier that saves a half-finished scroll.
• Declining a claim is worth it when the items were cheap: you keep the policy for a death that costs more.

Related pages

• Bank Teller
• Bank
• Beginner Scroll
• Wilderness
• Venomweaver
• Combat