diff --git a/project/assets/configs/insurance.json b/project/assets/configs/insurance.json
index 145aaa34..863009c9 100644
--- a/project/assets/configs/insurance.json
+++ b/project/assets/configs/insurance.json
@@ -1,8 +1,4 @@
 {
-    "insuranceMultiplier": {
-        "54cb50c76803fa8b248b4571": 0.16,
-        "54cb57776803fa99248b456e": 0.25
-    },
     "returnChancePercent": {
         "54cb50c76803fa8b248b4571": 75,
         "54cb57776803fa99248b456e": 85
diff --git a/project/src/controllers/InsuranceController.ts b/project/src/controllers/InsuranceController.ts
index 5329e505..8b68dd54 100644
--- a/project/src/controllers/InsuranceController.ts
+++ b/project/src/controllers/InsuranceController.ts
@@ -681,7 +681,9 @@ export class InsuranceController
         {
             itemsToPay.push({
                 id: this.roubleTpl, // TODO: update to handle different currencies
-                count: Math.round(this.insuranceService.getPremium(pmcData, inventoryItemsHash[key], body.tid)),
+                count: this.insuranceService.getRoublePriceToInsureItemWithTrader(
+                    pmcData, inventoryItemsHash[key],
+                    body.tid),
             });
         }
 
@@ -745,9 +747,9 @@ export class InsuranceController
                     this.logger.debug(`Item with id: ${itemId} missing from player inventory, skipping`);
                     continue;
                 }
-                items[inventoryItemsHash[itemId]._tpl] = Math.round(
-                    this.insuranceService.getPremium(pmcData, inventoryItemsHash[itemId], trader),
-                );
+                items[inventoryItemsHash[itemId]._tpl] = this.insuranceService.getRoublePriceToInsureItemWithTrader(
+                    pmcData, inventoryItemsHash[itemId],
+                    trader);
             }
 
             response[trader] = items;
diff --git a/project/src/models/spt/config/IInsuranceConfig.ts b/project/src/models/spt/config/IInsuranceConfig.ts
index 05370b7b..a6259ecf 100644
--- a/project/src/models/spt/config/IInsuranceConfig.ts
+++ b/project/src/models/spt/config/IInsuranceConfig.ts
@@ -3,8 +3,6 @@ import { IBaseConfig } from "@spt/models/spt/config/IBaseConfig";
 export interface IInsuranceConfig extends IBaseConfig
 {
     kind: "spt-insurance"
-    /** Insurance price multiplier */
-    insuranceMultiplier: Record<string, number>
     /** Chance item is returned as insurance, keyed by trader id */
     returnChancePercent: Record<string, number>
     /** Item slots that should never be returned as insurance */
diff --git a/project/src/services/InsuranceService.ts b/project/src/services/InsuranceService.ts
index 764d44f4..76aa789a 100644
--- a/project/src/services/InsuranceService.ts
+++ b/project/src/services/InsuranceService.ts
@@ -517,33 +517,18 @@ export class InsuranceService
      * @param traderId Trader item is insured with
      * @returns price in roubles
      */
-    public getPremium(pmcData: IPmcData, inventoryItem: Item, traderId: string): number
+    public getRoublePriceToInsureItemWithTrader(pmcData: IPmcData, inventoryItem: Item, traderId: string): number
     {
-        let insuranceMultiplier = this.insuranceConfig.insuranceMultiplier[traderId];
-        if (!insuranceMultiplier)
-        {
-            insuranceMultiplier = 0.3;
-            this.logger.warning(
-                this.localisationService.getText("insurance-missing_insurance_price_multiplier", traderId),
-            );
-        }
+        const price = this.itemHelper.getStaticItemPrice(inventoryItem._tpl)
+          * (this.traderHelper.getLoyaltyLevel(traderId, pmcData).insurance_price_coef / 100);
 
-        // Multiply item handbook price by multiplier in config to get the new insurance price
-        let pricePremium = this.itemHelper.getStaticItemPrice(inventoryItem._tpl) * insuranceMultiplier;
-        const coef = this.traderHelper.getLoyaltyLevel(traderId, pmcData).insurance_price_coef;
-
-        if (coef > 0)
-        {
-            pricePremium *= 1 - this.traderHelper.getLoyaltyLevel(traderId, pmcData).insurance_price_coef / 100;
-        }
-
-        return Math.round(pricePremium);
+        return Math.ceil(price);
     }
 
     /**
      * Returns the ID that should be used for a root-level Item's parentId property value within in the context of insurance.
-     *
-     * @returns The ID.
+     * @param sessionID Players id
+     * @returns The root item Id.
      */
     public getRootItemParentID(sessionID: string): string
     {