Here is the automated summary for the Hardcore server on 10/9/2026:

Unique Logins (0):
None

Deaths (0):
It was a peaceful day. Nobody died!

Advancements (0):
No new advancements today.

Here is the automated summary for the Hardcore server on 10/8/2026:

Unique Logins (0):
None

Deaths (0):
It was a peaceful day. Nobody died!

Advancements (0):
No new advancements today.

Hello all! 

This feature has been in the making for a long, long time, and I'm excited to say that it's finally here. Dying on hardcore.tj has always meant waiting either three days in the server graveyard, or hoping the community votes you back to life via your respawn poll, or paying a steep buyout cost and now, there's a much better way! With a life insurance policy, your insurer pays for your revive when you die, so you skip the poll and get back to your base. Basic cover costs less than one vote a week, and new players already hold a free starter policy: three revives during their first 24 hours.

Getting covered takes two commands. Type !insurance quote to see every insurer's price for you (it's based on real death records, so careful players pay less), then !insurance buy <insurer> to take out a policy. Coverage begins 24 hours later and is billed weekly (Sunday nights) in vote points. When you die, your insurer handles the claim. Depending on the company you get an instant payout, a short review, or a statement posted in the Insurance Claims section of the forum, where the Claims Desk can also answer questions about your policy. Sometimes you need to go to the forum to post a claim to collect on your policy, it depends on what broker you choose. You can browse the insurers and manage your policy at https://hardcore.tj/insurance

I recognize the potential for insurance fraud to collect vote points, so there are safeguards built in to prevent it. Suspicious claims are decided by community vote. Players can vote with !insurance vote <claim number> yay or nay, or from the server graveyard on the website, and repeat fraudsters get blacklisted. If you think that you could run an insurer better than the house companies, you can found your own with !insurance company, or back one with !insurance pools and share in its fortunes.

Thanks

Hello all, 

Patched a long-standing bug that prevented mob spawns on skyblock.tj. This was an error with my skyblock terrain datapack and some formatting changes made in 26.3. Sorry this took so long to finish, I've been really busy with IRL stuff!

Thanks for your patience.

Here is the automated summary for the Hardcore server on 10/7/2026:

Unique Logins (0):
None

Deaths (0):
It was a peaceful day. Nobody died!

Advancements (0):
No new advancements today.

Here is the automated summary for the Hardcore server on 10/6/2026:

Unique Logins (0):
None

Deaths (0):
It was a peaceful day. Nobody died!

Advancements (0):
No new advancements today.

Life insurance on hardcore.tj: frequently asked questions

Ask anything else in this section and the claims desk will answer. It can see your own policy when you ask from your linked forum account.

What does a policy actually buy me?
A revive on hardcore.tj when you die of a covered cause, without waiting on the Arbiter's poll, and with most insurers some cash. The poll still runs while a claim is open, so you are never worse off for claiming.

How do I buy one?
In game: !insurance quote shows every insurer's price for you, !insurance buy <insurer> buys full cover (add "basic" for the cheapest). Or use https://hardcore.tj/insurance. Vote Points only; no real money.

Why is my price different from my friend's?
Prices come from the server's records, not a questionnaire: your deaths in the last 30 days, PvP kills, trust score, how long you have played, past lapses and fraud strikes. It is re-rated every week, each claim-free week earns a discount, and a claim raises it.

What is covered?
Everyday deaths (drowning, starvation, suffocation and the like) always. PvP, mobs, falls and the void, and lava, fire and the Nether are separate riders, priced by how many people each has killed lately. Full cover is all four at a discount.

When does cover start?
24 hours after you buy or join a policy. A death before then is not covered. Claims must be at least 3 days apart.

How much cash do I get?
A share of the premiums you have paid in and not yet had back, up to your insurer's cap, less the deductible. It can never exceed what you have paid, so dying on purpose does not pay.

I died. What now?
A thread for your claim opens in this section, posted from your own forum account. Some insurers pay at once or file for you. Others want your statement: reply in your claim thread and say what happened. Their adjuster will argue. Give a sensible account and they have to pay a covered claim.

I have no forum account.
One was made for you when you bought your policy. Type !insurance forum in game for a link that logs you in.

Why did my claim go to a vote?
The adjuster flags deaths that look arranged: a policy under 72 hours old, repeated claims, or being killed by someone close to you (see the Known Associates list on your trust page). The community votes for 30 minutes in the Graveyard or with !insurance vote <claim> yay|nay.

What happens if the vote goes against me?
The claim is denied and you get a fraud strike, which shows on your trust page and lowers your trust score. 2 strikes within 90 days and every insurer blacklists you for 30 days.

When am I billed, and what if I cannot pay?
Weekly, Sunday 11:30 PM New York time, from your escrow vault first and then your balance. You are reminded 24 hours before. If the payment fails you stay covered for 48 hours; after that the policy lapses, and a lapse raises your next quote.

Can I cover a friend?
Yes: !insurance add <player>. They must accept in game before they are covered or you are charged. Nobody can be insured without agreeing to it.

What are the pools?
Every insurer is backed by a pool of Vote Points. Premiums go in, claims come out. !insurance stake <insurer> <amount> buys you a share: you gain when its customers live and lose when they do not. Stakes are locked for 7 days.

Can I run my own insurance company?
Yes. Registration costs a 5000 VP tax to the server plus at least 2000 VP of your own capital for its pool, and the server keeps 30% of every premium it collects. You set its price, cash share, deductible and how it handles claims: !insurance company.

What is a wager?
!insurance rival <player> <weekly stake> bets on another player's death. They are told at once and can buy it out. It pays 1.5x your stake only after 7 days and a community vote, and never if you or your spouse did the killing.

I am new. Do I get anything?
Yes. Barnaby the Broker of Newcomer's Mutual gives every new player a free Starter Policy: 3 revives during your first 24 hours.

Who are the insurers?
Block Farm (blockfarm): wants your statement on the forum, deductible 150 VP, cash none; Mineco (mineco): wants your statement on the forum, deductible 100 VP, cash 25% of premiums paid up to 500 VP; Crafters Mutual (crafters): files for you, about 2 min, deductible 50 VP, cash 40% of premiums paid up to 1200 VP; AllBlock (allblock): pays on the spot, deductible 0 VP, cash 60% of premiums paid up to 2500 VP; Wandering Trader Mutual (wanderer): wants your statement on the forum, deductible 250 VP, cash none; Piglin Barter & Trust (piglin): wants your statement on the forum, deductible 200 VP, cash 50% of premiums paid up to 1500 VP; Ender Assurance (ender): files for you, about 1 min, deductible 25 VP, cash 50% of premiums paid up to 1800 VP

Welcome to the claims desk for hardcore.tj life insurance.

When an insured player dies, a thread for that claim opens here automatically, posted from the player's own forum account. If you have no forum account, one is made for you when you buy a policy; type !insurance forum in game for a link that logs you in.

What happens next depends on your insurer

• AllBlock pays on the spot. The thread is only a record.
  
• Crafters Mutual files for you and decides in about two minutes.
  
• Mineco and Block Farm need your statement: reply in your claim thread and say what happened. The decision is posted in the same thread.
  

Here is the automated summary for the Hardcore server on 10/5/2026:

Unique Logins (0):
None

Deaths (0):
It was a peaceful day. Nobody died!

Advancements (0):
No new advancements today.

Here is the automated summary for the Hardcore server on 10/4/2026:

Unique Logins (0):
None

Deaths (0):
It was a peaceful day. Nobody died!

Advancements (0):
No new advancements today.