Skell Insurance is a combat mechanic that allows players to repair wrecked Skells in Xenoblade Chronicles X. Learn more about what Skell Insurance is and how Skell Insurance works with this guide!

How Skell Insurance Works

Red Prompt Once Skell HP Reaches Zero

When your Skell gets destroyed, a red prompt similar to Soul Challenges will appear. The cost of repairing a wrecked Skell and the character's HP afterward depends on the player's performance with this prompt.

Skell Insurance Timing and Rewards

Skells can be repaired by going to the Customization Center in the BLADE Barracks.

What is Skell Insurance?

Limited Number of Free Repairs

Most Skells have 3 Skell Insurance by default. Getting anything lower than a Perfect in the red prompt upon your Skell getting destroyed will deduct your Skell Insurance. There is no way to replenish Skell Insurance, so make sure you are strong enough before going into fights using your Skell.

Skells With No Skell Insurance Will Not Be Affected by the Prompt

It is important to note that if your Skell has 0 Skell Insurance, getting a Perfect in the red prompt will not repair the Skell for free anymore.

What to Do When Skell Insurance Reaches Zero?

Use Credits to Repair Your Skell

Skells can be repaired with credits when Skell Insurance is depleted, though this can be very costly and it does not replenish Skell Insurance.

Use a Salvage Ticket to Repair Your Skell

Players may also use a Salvage Ticket to repair Skells, but these are a bit tricky to come across since it's not a guaranteed Division Reward.

Buy a New Skell

The easiest solution would be to buy a new Skell entirely. Though it can cost more, it also comes with the advantage of having full Skell Insurance again.

List of Skells

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