Searching For Does/will

So I'm wanting to buy either Freelancer or the Constellation but I'm wondering how it will work if the player dies/ship is blown up/or their insurance runs out. Do will you lose it? I want to buy one [..] Load

I personally think that buying an awesome ship to start with kind of takes away half the fun, or at least for me. As a complete noob I just want to make sure that in-game, you can earn every ship that[..] Load