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A sad reality of life is that death is inevitable, even in scientifically advanced societies like EVE. For many, it comes when it's least expected. One minute, a pilot is happily approaching a stargate with a hold full of exotic fruits and the next thing he knows, his ship is a fine mist of processed tritanium and he's left floating and dazed in his escape pod while the perpetrator freely scoops up the cargo of Gehian melons.
Should you find yourself in this position, it's best to warp away in your blinking egg unless you want to end up freeze-dried. Once a fragile escape capsule is destroyed or "podded," the tragic sense of loss is compounded. But it's not the end. You do have options.
Avoiding death is a skill that can take some time to master. Thanks to the modern wonders of cloning technology, however, if you die, you are reborn at your registered cloning facility and a new frigate will be issued to you. Be aware that unless you wisely invested in a high-grade clone, you may suffer from a period of amnesia, which will be acute if you have many skillpacks installed to a high level - meaning you will lose a percentage of skillpoints based on the quality of the clone.
You should also consider taking advantage of one of the excellent insurance policies available for your ship. Fittings and cargo cannot be insured, but the you can be reimbursed for a significant portion of your ship's worth if you have purchased a good policy from one of your local insurance agents.