Used to see this alot on my old computer,
Usually it appeared to be related to the graphics card not being up to handling some of the bigger explosions,
However occasionaly it was just random,
Like you I got into the habit of regular saves, however I named them in sequence and never overwrote,
so PT1, PT2, PT3 and so on, in that way if I had an issue I could always roll back not too far.
Since I upgraded my PC I've not had the issue
So suggestions,
1) Check your graphics drivers are up to date
2) run rolling saves,
3) Make sure when saving you are
i) on the surface
ii) more than 30km from any ship
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