This is the genesis for this suggestion. I would like to suggest Nostalrius offer basic account and recovery insurance. This insurance protects their account and characters from hackers and only from hackers. This means it will not cover accidental deletion or if you let someone play your character and they deleted it. This insurance is only good for one account and character recovery and expires in a year.

Previous version: http://i.imgur.com/PG0g3z0.jpg
Based on this design
What do you think?