How do I get my ship back if it is lost or destroyed?
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During the Star Citizen Alpha, all ships - whether pledged on the RSI store or purchased in-game - have lifetime, unlimited insurance. This means that no matter how many times the ship is lost, destroyed or stolen, you can claim a replacement at no cost. This replacement includes upgraded components and weapons, but will take some time to make available depending on the size of the ship.
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Other than the wait time for a claim, there is no limit to how many times you replace your ship - so don't worry about getting beat up in a dogfight or flying into the side of a station while trying to land - there's always a fresh new ship waiting for you to try again!
Claiming a ship
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Travel to a hangar or spaceport, and find the ASOP terminals.
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Find the ship in your hangar list; if it is eligible for claiming, the current status will be displayed along a Claim button.
Note: If you are claiming a replacement for a ship that is stored at your location (to fix a bug or resolve serious damage) you will need to retrieve it and move it away from the hangars at your current location.
Using Pads
The open pads at space stations can be used for this purpose - though out of consideration for your fellow players, please don't abandon a ship directly on the pad; rather leave the ship open and powered off next to the pad and EVA over. This avoids blocking the pad for players that need to refuel, and leaves the ship available for towing and salvage.
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Once the claim is registered, you will see a countdown for when the ship will be available again. This is around a minute for small/starter ships, but can be longer than an hour for capital ships, so don't claim large ships lightly!
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Optionally, you can pay an Expedite fee to reduce the time to wait for the claim - again, this increases based on the size of the ship, but reduces the longer that you wait. Expediting doesn't always make the claim complete immediately, but can significantly reduce the wait time.
Note: It's most cost-effective to wait until the "Time after Expedite" reduces to Instant - expediting before this point won't make the ship available faster, but will cost more.