Wow, damn. Definitely going to read through that.
But still, I was under the impression of them stopping refunding last year and after countless post or news about how CIG changed their T&C, I'm so lost. Hopefully I can get this $45 back easily.
If you booked early, you might be able to make profit by reselling the ship. The ones with Lifetime Insurance are (I think) selling for more than their initial price. Actually quite a few people are doing this buy/sell to make profit by speculating on how popular SC fluctuates over time.