Well that's what I thought we'd have to do now Se'an. Just gonna log in and check again. And see if gold is taken out of the original insurer's bank, and if the item gets auto-insured after I die.

People tend to change characters in the heat of the moment, depending on the situation, and this would be a big hassle. I've never been hit with the insurance bug, but I don't want to jinx it.