Last I played (couple weeks ago) insurance didn’t cost anything. At some point it’ll cost in game credits but right now there’s no insurance premium. You can spend some credits to expidite the return timer if you can spare it.

What? The point of star citizen is exactly that kind of emerging gameplay. I can almost guarantee the person whose spaceyacht was stolen had fun here too. Nothing was lost, the ships are insured and you can just call them back a short while after they’re destroyed.