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Taranius De Consolville
Lost Dawn Chaos Corrosive.
152
|
Posted - 2012.08.04 18:41:00 -
[1] - Quote
Hello
Yes another thread about Insurance
No i don't care about history of Insurance.
Bottom line is
Insurance like in the real world should be a mirror or REAL WORLD I.E EVE ONLINE WORLD prices and should change depending on market value of ships. If a Hurricane costs 90 mil to buy, the insurance should reflect that, if a Cruor costs 85mil to buy, the insurance should reflect that.
Codeing a program such as this is not hard to do and i cannot for the life of me see why CCP has not done this.
To stop *exploiting* if Hurricanes are selling for say 85 mil, and one is for sale for 60mil, the insurance should reflect the lowest price in that region, once that ship is sold it moves up to the next lowest.
Please sort your insurance prices out ingame, it is a joke. |
Steve Ronuken
Fuzzwork Enterprises
539
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Posted - 2012.08.04 18:50:00 -
[2] - Quote
They've not done it, because there are enough problems with ISK faucets in Eve.
Insurance already introduces more ISK into eve than it removes. FuzzWork Enterprises http://www.fuzzwork.co.uk/ Blueprint calculator, invention chance calculator, isk/m3 Ore chart-á and other 'useful' utilities. |
Taranius De Consolville
Lost Dawn Chaos Corrosive.
152
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Posted - 2012.08.04 18:55:00 -
[3] - Quote
Steve Ronuken wrote:They've not done it, because there are enough problems with ISK faucets in Eve.
Insurance already introduces more ISK into eve than it removes.
I highly doubt that. Considering no insurance in the game covers any ship and its fit
Its like me insuring my care which I brought for -ú12.000, for -ú200 pounds.
They need to sort it out
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Vera Algaert
Republic University Minmatar Republic
298
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Posted - 2012.08.04 18:56:00 -
[4] - Quote
Taranius De Consolville wrote: Insurance like in the real world should be a mirror or REAL WORLD I.E EVE ONLINE WORLD
/signed
it's ridiculous that some people go out and lose a ship every single day and still find some insurance company that agrees to provide full coverage for their continuing losses.
The insurance system as a whole should be isk-neutral - you don't see RL insurance agencies printing money just so they can make huge payouts to drivers who crash their car every other week and people who never signed up for insurance in the first place. |
Steve Ronuken
Fuzzwork Enterprises
539
|
Posted - 2012.08.04 19:00:00 -
[5] - Quote
Taranius De Consolville wrote:Steve Ronuken wrote:They've not done it, because there are enough problems with ISK faucets in Eve.
Insurance already introduces more ISK into eve than it removes. I highly doubt that. Considering no insurance in the game covers any ship and its fit Its like me insuring my care which I brought for -ú12.000, for -ú200 pounds. They need to sort it out
You've made the common mistake in regards to ISK faucets.
When you buy a ship, the ISK doesn't go away. It continues to exist, but in someone else's wallet.
When your ship goes pop, new ISK is created. More ISK that you spent when you bought insurance (in all likelyhood).
Hence, it's a faucet, introducing ISK into the game. FuzzWork Enterprises http://www.fuzzwork.co.uk/ Blueprint calculator, invention chance calculator, isk/m3 Ore chart-á and other 'useful' utilities. |
Bluestream3
the Goose Flock
17
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Posted - 2012.08.04 19:01:00 -
[6] - Quote
Steve Ronuken wrote:They've not done it, because there are enough problems with ISK faucets in Eve.
Insurance already introduces more ISK into eve than it removes. Buying a ship does not remove any ISK from the game, except from taxes that the seller has to pay, of course. The only ISK removed from the game by insurances is the ISK the insurance itself costs.
Now correct me if I'm wrong but both the payouts and the cost of insurance is based on some mineral price index from a couple of months back?
EDIT: Steve was faster than me :) |
Taranius De Consolville
Lost Dawn Chaos Corrosive.
152
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Posted - 2012.08.04 19:02:00 -
[7] - Quote
Steve Ronuken wrote:Taranius De Consolville wrote:Steve Ronuken wrote:They've not done it, because there are enough problems with ISK faucets in Eve.
Insurance already introduces more ISK into eve than it removes. I highly doubt that. Considering no insurance in the game covers any ship and its fit Its like me insuring my care which I brought for -ú12.000, for -ú200 pounds. They need to sort it out You've made the common mistake in regards to ISK faucets. When you buy a ship, the ISK doesn't go away. It continues to exist, but in someone else's wallet. When your ship goes pop, new ISK is created. More ISK that you spent when you bought insurance (in all likelyhood). Hence, it's a faucet, introducing ISK into the game.
And? Have you seen somer blink rewards?
So what ur saying is, cause people produce ships, they drive insurance prices down? THats absolute bs, thats like saying, oh, vauxhall, if u produce more cars we need to lower insurance |
Vera Algaert
Republic University Minmatar Republic
298
|
Posted - 2012.08.04 19:04:00 -
[8] - Quote
Bluestream3 wrote:Steve Ronuken wrote:They've not done it, because there are enough problems with ISK faucets in Eve.
Insurance already introduces more ISK into eve than it removes. Buying a ship does not remove any ISK from the game, except from taxes that the seller has to pay, of course. The only ISK removed from the game by insurances is the ISK the insurance itself costs. Now correct me if I'm wrong but both the payouts and the cost of insurance is based on some mineral price index from a couple of months back? you are right
and insurance is an isk faucet exactly for the reasons you explain (buying the ship is isk-neutral, players only insure ships that are very likely to get destroyed and insurance payouts [faucet] are higher than insurance fees [sink]) |
Bluestream3
the Goose Flock
17
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Posted - 2012.08.04 19:06:00 -
[9] - Quote
Taranius De Consolville wrote:Steve Ronuken wrote:Taranius De Consolville wrote:Steve Ronuken wrote:They've not done it, because there are enough problems with ISK faucets in Eve.
Insurance already introduces more ISK into eve than it removes. I highly doubt that. Considering no insurance in the game covers any ship and its fit Its like me insuring my care which I brought for -ú12.000, for -ú200 pounds. They need to sort it out You've made the common mistake in regards to ISK faucets. When you buy a ship, the ISK doesn't go away. It continues to exist, but in someone else's wallet. When your ship goes pop, new ISK is created. More ISK that you spent when you bought insurance (in all likelyhood). Hence, it's a faucet, introducing ISK into the game. And? Have you seen somer blink rewards? So what ur saying is, cause people produce ships, they drive insurance prices down? THats absolute bs, thats like saying, oh, vauxhall, if u produce more cars we need to lower insurance This problem can't be applied to the real world, because an insurance company doesn't generate inflation when they do payouts. This NPC system that magically spawns ISK from nowhere and hands it to players is an ISK faucet, and that's the problem. |
Suddenly Forums ForumKings
Republic University Minmatar Republic
126
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Posted - 2012.08.04 19:06:00 -
[10] - Quote
I bet you also think minerals you mine are free and that tripling hulk yield would triple miner profits.
Insurance is a horrifying isk faucet.
You fail economics forever. |
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Virgil Travis
Non Constructive Self Management Unified Church of the Unobligated
510
|
Posted - 2012.08.04 19:08:00 -
[11] - Quote
Taranius De Consolville wrote:Hello
Yes another thread about Insurance
No i don't care about history of Insurance.
Bottom line is
Insurance like in the real world should be a mirror or REAL WORLD I.E EVE ONLINE WORLD prices and should change depending on market value of ships. If a Hurricane costs 90 mil to buy, the insurance should reflect that, if a Cruor costs 85mil to buy, the insurance should reflect that.
Codeing a program such as this is not hard to do and i cannot for the life of me see why CCP has not done this.
To stop *exploiting* if Hurricanes are selling for say 85 mil, and one is for sale for 60mil, the insurance should reflect the lowest price in that region, once that ship is sold it moves up to the next lowest.
Please sort your insurance prices out ingame, it is a joke.
If the world is player driven, the few NPC services need to keep up with the player run world. It is that simple, how you code it to work is your own issue, it needs to be done. Why should i buy a 85mil Hurricane, spend 60 mil fitting it n then insure it for 60mil?
I can already see a way to exploit this using the following hypothetical scenario:
My corp resides in region A and we wardec a corp from region B. We manipulate the market where we insure our ships to raise the overall sell price of a hurricane to 95 mill while we manipulate the market in the other region, where our war targets insure their ships, and lower the price of their favourite ships, thus decreasing the payouts on insurance.
Insurance was already based on a market average for the minerals used, it's just that with the market spike in mineral prices over the past few months from game changes and market speculatiion, insurance payouts haven't been updated to keep up with the bubble. Unified Church of the Unobligated - madness in the method Mamma didn't raise no victims. |
Taranius De Consolville
Lost Dawn Chaos Corrosive.
152
|
Posted - 2012.08.04 19:08:00 -
[12] - Quote
Suddenly Forums ForumKings wrote:I bet you also think minerals you mine are free and that tripling hulk yield would triple miner profits.
Insurance is a horrifying isk faucet.
You fail economics forever.
No, i fail at online economics actually.
But good, now i understand why it is not set ship by ship
thanks all
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Tippia
Sunshine and Lollipops
8889
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Posted - 2012.08.04 19:08:00 -
[13] - Quote
Taranius De Consolville wrote:Insurance like in the real world should be a mirror or REAL WORLD No, it really shouldn't, because then it wouldn't do what it's supposed to do.
Insurance already follows market trends, by the way, but only to the extent it benefits the game.
Quote:I highly doubt that. Considering no insurance in the game covers any ship and its fit You can doubt it as much as you like. It doesn't change the fact that, by design, insurance injects more ISK than it takes away. GÇ£If you're not willing to fight for what you have in GëívGëí you don't deserve it, and you will lose it.GÇ¥
CONCORD spawns: quick enough to save you?
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Steve Ronuken
Fuzzwork Enterprises
539
|
Posted - 2012.08.04 19:10:00 -
[14] - Quote
Tippia wrote:Taranius De Consolville wrote:Insurance like in the real world should be a mirror or REAL WORLD No, it really shouldn't, because then it wouldn't do what it's supposed to do.
Heh.
*insurance adjuster* Let me just pull up your claims history *insurance adjuster has had a heart attack and died* FuzzWork Enterprises http://www.fuzzwork.co.uk/ Blueprint calculator, invention chance calculator, isk/m3 Ore chart-á and other 'useful' utilities. |
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