Insurance against a damage instance

Contents

Question: How much of a hit does one Insurance point stop?
Answer: Up to 10 by default, plus the unit's Underwriting bonus. The point is spent whether or not the hit was worth that much.

900.12aInsurance is a pool of points measured in damage. Each point covers up to 10 of a single instance by default, and Underwriting adds its listed amount to every point's capacity. The pool empties into that instance until it is covered or the points run out.
900.12bWithout Underwriting, a 60-damage hit into 3 points spends all 3, absorbs 30, and lets 30 through to Shield and then Vitality. The same hit into 2 points absorbs 20 and lets 40 through.
900.12cThe whole-point rule is what makes small instances expensive. A 3-damage Venom tick still costs a full point, so 7 of that point's coverage is thrown away.
900.12dSplitting 30 damage into two 15-damage hits spends four points instead of the three a single hit would use, because each damage instance rounds its point cost separately. Against a board of insured units, AoE likewise spends points independently on every target.
900.12eInsurance is spent after Armor and the incoming-damage cap, so Armor is applied first and the points cover only what Armor left.
900.12fSubrogated points spend before plain points, and retaliate for exactly what they absorbed — a Vitality loss on the source, not a damage instance.
900.12gDamage a point absorbs leaves almost no trace: no Shield break, no Feast, no Stagger, nothing scored for the attacker. The exception is Thorns and Riposte, which answer the hit rather than its size and fire anyway.