asset recovery instead of(or in addition to) insurance

The current insurance system is expensive enough for people to run with trusted friends uninsured. Which is generally fine. But accidents happen and if the host leaves first, hours of gameplay rewards can be lost by no fault of the player. Adding a post-fact(rather than prior to mission) payment for asset recovery would be good. It would also make more sense for insurance to be calculated as a percentage of the value of items, with the recovery being more of a flat fee(possibly the current 1/3 of the mission reward?)