Or you can do the research yourself and provide links to written sources and maybe attempt to be a useful human being, rather than flailing your arms around and spouting nonsense.
From the FAQ:
"What happens if I don’t have insurance?
Your character will have to buy a new ship with any credits he has, or if he doesn’t have enough credits fly missions for a third party (both NPC and player) until he’s earned enough to buy his own ship again."
Link to FAQ from 2012:
https://robertsspaceindustries.com/c...FAQ-And-Update
Link to RSI Support post talking about insurance, from 1 month ago (note that this does not mention non-insured RMT items):
https://support.robertsspaceindustri...Insurance-FAQs
However, it is possible that you won't lose items that were purchase with real money:
"
I want to preface this, as it's starting to be run away with. Please know that this is SUBJECT TO CHANGE and based on information from past videos and posts on our website. Please look back through our YouTube and Comm-link pages for past and future information. If something that you own is destroyed, you will need to pay more to have it replaced in the game, but it won't be permanently removed from your account. For items like weapons, shields, etc, we're still working on how insurance will cover these items that aren't included with the base ship, but it won't be a case of them being gone for good."
Note, this was from an image of a forum post that is simply dated January 4th at 4:18 am, and was referenced in a Spectrum post from May 2018, so it's possible that this information was posted January 2018. The link to the original quote requires access to the Concierge sub-forum. This is the only written information I was able to find on the subject (and this wasn't easy to find), and since I do not have Concierge access, I cannot see if there are any further updates to that post (but it looks to be rescinded). There has been no official update on the FAQ or anywhere else on the website, so take this post with a grain of salt, especially since even the post itself stated it was subject to change.
Edit: Also note that the information from the post has since been rescinded, no longer making it an official statement.
Link to the post that took me quite some time to find (ie: not readily available information):
https://robertsspaceindustries.com/s...ith-real-money
This means that RSI currently has no official statement on what happens when an RMT ship is destroyed without insurance. Personally, I will be surprised if an RMT ship is lost forever, but I would not be surprised if there were a number of hoops to jump through and UAT fees to pay to replace the ship.
-----
Also note, in searching for this information, I found many, many people making posts that reference this post (without a link, of course; can't make it easy for me), so there are a lot of people spreading misinformation about this subject. Granted, they probably aren't doing it knowingly, as they probably read someone else reference this post somewhere and they're just trying to pass the information on. Unfortunately, the information is wrong.