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Xenoblade Chronicles X: Definitive Edition

How Does Skell Insurance Work?

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★ Missions: Normal | Basic | Affinity
☆ Tier List: Characters, Classes, Skells
★ Best Divisions | How to Change Divisions
☆ Character Customization and Fashion Gear
★ 104 FN Site Locations | 99 Lobster Locations
☆ All Heart to Heart Locations

Xenoblade Chronicles X - How Does Skell Insurance Work
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!

List of Contents

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

Performance Result
Perfect Skell Insurance will not be deducted and your character is ejected safely.
Good Skell repairs will cost 1 Skell Insurance and your character is ejected safely.
Failed Skell repairs will cost 1 Skell Insurance and your character will drop down to 1 HP.

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

What is Skell Insurance?

Limited Number of Free Repairs

Xenoblade Chronicles X Skell Insurance Number
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

Xenoblade Chronicles X Skell Salvage Fee
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

Xenoblade Chronicles X Salvage Tickets
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

Xenoblade Chronicles X Skell Shop Terminal

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

Xenoblade Chronicles X Related Guides

Tips and Tricks Partial Banner

Tips and Tricks: Beginner's Guide

All Tips and Tricks Guides

Tips and Tricks
EXP Farming: How to Level Up Fast Character Stats Explained
Difficulty Settings Guide When Do You Get Skells?
Missables and Points of No Return How to Raise Affinity Fast
Is There Fall Damage? What is the Max Level?
Miranium Farming Guide Battle Points (BP) Guide
Combat Guides
Combat Guide Tension Points (TP)
What are Soul Challenges? How to Heal
How to Change Target How to
Revive Teammates
What is Auxillary Energy? Auras
Overdrive Guide What is Supercharge?
How Does Skell Insurance Work? -
FrontierNav Guides
Data Probe Guide Best Probe Layout
How to Increase Survey Rate FrontierNav Revenue Guide
Duplicator Probe Locations -
Exploration Guides
Weather Guide Field Skills Guide
Where to Find Rock Cavern Location -
Character Guides
Character Customization Guide How to Change Classes
How to Change Divisions How to Increase BLADE Level Fast
Can You Refuse to Join BLADE? How to Change Appearance
What is the Protagonist's Canon Name? How to Change Your Character's Name
Mission Items Guides
How to Get White Cometite How to Get Bonjelium
How to Get Quality Fuses How to Get Kiran Catnip
How to Get Kiweggs How to Get Natural Pearls
How to Get Marine Rutile How to Get Yaya Sesame
How to Get Crude Neilnail Mask Insect Jaw Locations
Other Gameplay Mechanics
What is Potential? What is Stability?
How to Get Pets How to Emote
How to Auto Run How to Zoom Out

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