EVE noobs: losing your first ship

I lost my first ship in EVE tonight.

Yeah, I’ve been playing for a few weeks, but don’t for a second think it’s taken me this long to lose a ship due to any skill on my part. It took me this long because I don’t play much and when I do I’ve been puttering around in 1.0 space mining and junk. And this ship, to my eternal shame, was lost in a PvE Tutorial mission!

Anyway, here’s what I learned, so other EVE noobs won’t be as surprised as I was:

1) Insurance, even Platinum Insurance, isn’t going to get you a new ship. My little frigate was fully insured. Problem was that no one was selling a replacement for what the insurance company thought it was worth. So just like in real life, you’re going to have to have cash on hand to make up the difference between your insurance payout and the street cost of a new ship.

2) That said, newbie ships, at least, are pretty cheap. Don’t panic when yours goes boom! You’ll be back on your feet in no time.

3) Do shop around. By traveling 3 jumps (all through 1.0 space…I think I could’ve flown my pod but I didn’t) I saved about 40% of the cost of my replacement ship. Yes, and still the insurance payout wasn’t enough. At my local station, the ship I was replacing was going for more than twice the insurance payout.

4) Be prepared to refit. I had plenty of weapons and afterburners and stuff; but I had no ammo! Not a single slug. I had more than I could ever use in the ship I lost. So in future I’ll remember to carry only as much ammo as I’ll need for the mission at hand. Not that noob ammo is all that expensive but it’s just so wasteful losing so much to the void…

Hmmm, it just occurred to me… I wonder if I could’ve flown back out to my own wreck and salvaged from it? Does anyone know?