diff --git a/src/Prospect.Server.Api/Services/CloudScript/Functions/CompleteInventoryUpdate.cs b/src/Prospect.Server.Api/Services/CloudScript/Functions/CompleteInventoryUpdate.cs
index d8bb2f4..b4b3398 100644
--- a/src/Prospect.Server.Api/Services/CloudScript/Functions/CompleteInventoryUpdate.cs
+++ b/src/Prospect.Server.Api/Services/CloudScript/Functions/CompleteInventoryUpdate.cs
@@ -2,6 +2,7 @@ using System.Text.Json;
 using System.Text.Json.Serialization;
 using Prospect.Server.Api.Services.Auth.Extensions;
 using Prospect.Server.Api.Services.CloudScript;
+using Prospect.Server.Api.Services.CloudScript.Functions;
 using Prospect.Server.Api.Services.CloudScript.Models;
 using Prospect.Server.Api.Services.UserData;
 
@@ -45,12 +46,14 @@ public class CompleteInventoryUpdateFunction : ICloudScriptFunction<CompleteInve
     private readonly ILogger<CompleteInventoryUpdateFunction> _logger;
     private readonly IHttpContextAccessor _httpContextAccessor;
     private readonly UserDataService _userDataService;
+    private readonly TitleDataService _titleDataService;
 
-    public CompleteInventoryUpdateFunction(ILogger<CompleteInventoryUpdateFunction> logger, IHttpContextAccessor httpContextAccessor, UserDataService userDataService)
+    public CompleteInventoryUpdateFunction(ILogger<CompleteInventoryUpdateFunction> logger, IHttpContextAccessor httpContextAccessor, UserDataService userDataService, TitleDataService titleDataService)
     {
         _logger = logger;
         _httpContextAccessor = httpContextAccessor;
         _userDataService = userDataService;
+        _titleDataService = titleDataService;
     }
 
     public async Task<CompleteInventoryUpdateResponse> ExecuteAsync(CompleteInventoryUpdateRequest request)
@@ -64,6 +67,42 @@ public class CompleteInventoryUpdateFunction : ICloudScriptFunction<CompleteInve
         var userData = await _userDataService.FindAsync(userId, userId, new List<string>{"Inventory"});
         var inventory = JsonSerializer.Deserialize<List<FYCustomItemInfo>>(userData["Inventory"].Value);
 
+        // Insurance payout: this request also reports the end-of-match inventory, so items
+        // the player lost (death / left behind) arrive in ItemsToRemove. Any of those that
+        // were insured on deploy (EnterMatchmakingStation) are recovered back to the stash —
+        // the premium was already paid up-front — and the insurance is consumed (one raid).
+        // Recovery is only performed if the item's policy declares a positive Payout.
+        var recoveredInsured = new HashSet<string>();
+        if (request.ItemsToRemove is { Count: > 0 })
+        {
+            try
+            {
+                var td = _titleDataService.Find(new List<string> { "InventoryInsurance" });
+                if (td.TryGetValue("InventoryInsurance", out var rawPolicies) && !string.IsNullOrEmpty(rawPolicies))
+                {
+                    var policies = JsonSerializer.Deserialize<Dictionary<string, InventoryInsurancePolicy>>(rawPolicies);
+                    foreach (var item in inventory)
+                    {
+                        if (!request.ItemsToRemove.Contains(item.ItemId)) continue;
+                        if (string.IsNullOrEmpty(item.Insurance) || item.InsuranceOwnerPlayfabId != userId) continue;
+                        if (policies == null || !policies.TryGetValue(item.Insurance, out var policy) || policy.Payout <= 0) continue;
+                        recoveredInsured.Add(item.ItemId);
+                        item.Insurance = "";              // consumed for this raid
+                        item.InsuranceOwnerPlayfabId = "";
+                    }
+                    if (recoveredInsured.Count > 0)
+                    {
+                        _logger.LogInformation("Recovered {Count} insured item(s) for user {User}", recoveredInsured.Count, userId);
+                    }
+                }
+            }
+            catch (Exception e)
+            {
+                // Never fail the inventory commit because of insurance handling.
+                _logger.LogWarning(e, "Failed to process insurance payout");
+            }
+        }
+
         // TODO: Optimize
         // TODO: Check deleted items to see if other stacks/mods were updated correctly
         // Process inventory update. The player may:
@@ -74,7 +113,8 @@ public class CompleteInventoryUpdateFunction : ICloudScriptFunction<CompleteInve
         // IMPORTANT: The same request is currently used to report the updated inventory in the end of match.
         var newInventory = new List<FYCustomItemInfo>(inventory.Count);
         foreach (var item in inventory) {
-            if (!request.ItemsToRemove.Contains(item.ItemId)) {
+            // Keep items that weren't removed, plus insured items recovered above.
+            if (!request.ItemsToRemove.Contains(item.ItemId) || recoveredInsured.Contains(item.ItemId)) {
                 newInventory.Add(item);
             }
         }
diff --git a/src/Prospect.Server.Api/Services/CloudScript/Functions/RequestClaimFortunaPassRewards.cs b/src/Prospect.Server.Api/Services/CloudScript/Functions/RequestClaimFortunaPassRewards.cs
index 1f0a7a2..59529d7 100644
--- a/src/Prospect.Server.Api/Services/CloudScript/Functions/RequestClaimFortunaPassRewards.cs
+++ b/src/Prospect.Server.Api/Services/CloudScript/Functions/RequestClaimFortunaPassRewards.cs
@@ -45,12 +45,14 @@ public class RequestClaimFortunaPassRewardsFunction : ICloudScriptFunction<Reque
     private readonly IHttpContextAccessor _httpContextAccessor;
     private readonly UserDataService _userDataService;
     private readonly TitleDataService _titleDataService;
+    private readonly ILogger<RequestClaimFortunaPassRewardsFunction> _logger;
 
-    public RequestClaimFortunaPassRewardsFunction(IHttpContextAccessor httpContextAccessor, UserDataService userDataService, TitleDataService titleDataService)
+    public RequestClaimFortunaPassRewardsFunction(IHttpContextAccessor httpContextAccessor, UserDataService userDataService, TitleDataService titleDataService, ILogger<RequestClaimFortunaPassRewardsFunction> logger)
     {
         _httpContextAccessor = httpContextAccessor;
         _userDataService = userDataService;
         _titleDataService = titleDataService;
+        _logger = logger;
     }
 
     public async Task<RequestClaimFortunaPassRewardsResponse> ExecuteAsync(RequestClaimFortunaPassRewardsRequest request)
@@ -96,9 +98,20 @@ public class RequestClaimFortunaPassRewardsFunction : ICloudScriptFunction<Reque
         {
             // Ne pas re-créditer un palier déjà réclamé.
             if (claimedRewards.RewardsIDs.Contains(rewardId)) continue;
-            claimedRewards.RewardsIDs.Add(rewardId);
 
-            if (catalog == null || !catalog.TryGetValue(rewardId, out var def) || def == null) continue;
+            if (catalog == null || !catalog.TryGetValue(rewardId, out var def) || def == null)
+            {
+                // Le catalogue des paliers est défini côté client (DataTable). On journalise
+                // les IDs inconnus pour pouvoir construire un vrai catalogue FortunaPass{2,3}_Rewards
+                // qui matche. IMPORTANT : ne PAS marquer le palier comme réclamé si on ne peut rien
+                // accorder — sinon il serait brûlé définitivement et inclaimable une fois le
+                // catalogue ajouté.
+                _logger.LogInformation("FortunaPass claim: aucun catalogue pour le reward '{RewardId}' (catalogue {State}) — non accordé", rewardId, catalog == null ? "absent" : "présent");
+                continue;
+            }
+
+            claimedRewards.RewardsIDs.Add(rewardId);
+            _logger.LogInformation("FortunaPass claim: octroi reward '{RewardId}' -> {ItemId} x{Amount}", rewardId, def.ItemId, def.Amount);
 
             switch (def.ItemId)
             {