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Altunha
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Posted - 2011.01.23 19:32:00 -
[1]
How many PVE'rs would be interested in affordable supplemental insurance for their ship. Coverage would be at 100% (new ship) of course its much more complicated than this but trying to keep this short. Investment would have to be around 25% value of ship, coverage would last 6 weeks. Looking at variable rates for pilots who have a good track record and those who dont. Will insure pve'ers ONLY. Youd have to be in game for at least 1 year to be insurable. other rules would apply. Of course an idea like this must be built on trust but once that hurdle is behind me how many pve'rs would be intersed? Please reply with a interested or a no way.
Thanks!!
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masternerdguy
Gallente Meerkat Maner
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Posted - 2011.01.23 19:38:00 -
[2]
sorry but my hurricanes are insured by geico.
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Cyaxares II
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Posted - 2011.01.23 19:46:00 -
[3]
Edited by: Cyaxares II on 23/01/2011 19:47:46
people lose ships in pve?
(well, maybe in whs or incursions... but I am certain you would exempt these from insurance)
probably wouldn't hurt to have a look at the various MD threads on this topic (go through the posting history of Hexxx and you should find all the important ones )
would you insure fittings?
faction/T2 ships?
--
<Abuser> Won't the wave of intelligent bots make CCP work at least in the direction of securing the engine? <[IA]Morpheus> Of course it will, that's obvious. |
masternerdguy
Gallente Meerkat Maner
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Posted - 2011.01.23 19:49:00 -
[4]
Originally by: Cyaxares II Edited by: Cyaxares II on 23/01/2011 19:47:46
people lose ships in pve?
(well, maybe in whs or incursions... but I am certain you would exempt these from insurance)
probably wouldn't hurt to have a look at the various MD threads on this topic (go through the posting history of Hexxx and you should find all the important ones )
would you insure fittings?
faction/T2 ships?
if pve peeps get full insurance on fittings and mods and rigs and all that crap, pvp guys need it to.
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Aessoroz
Nohbdy.
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Posted - 2011.01.23 19:56:00 -
[5]
Please post a list of everyone insured, I will be more than happy to redeem some sec status.
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Altunha
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Posted - 2011.01.23 19:57:00 -
[6]
(well, maybe in whs or incursions... but I am certain you would exempt these from insurance)
Incursions I really dont know enough about to say i would insure ships used in incursions. Really i think incursions are a way to drive the economy in high security the way pvp does in 0.0 due to a higher rate of ship loss.
I do plan to insure t2 ships. At this time I would not offer insurance on t3,faction or capital ships of course...
My plan is much more extensive that what im revealing here and takes into consideration insurance fraud and better or worse rates depending on the pilots track record.
I would not insure fittings. Or at least have not thought of a feasible way to insure fittings and keep track of them..
I will read up on the suggested posts.
Thanks for your input!!
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Altunha
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Posted - 2011.01.23 20:00:00 -
[7]
Master i have no intention to insure fittings; only ships.
PVP people can not be insured.. thats like insuring cars used in demolition derbys...
but the more insight i get the better.
thanks for your input!
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Altunha
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Posted - 2011.01.23 20:08:00 -
[8]
Originally by: Aessoroz Please post a list of everyone insured, I will be more than happy to redeem some sec status.
Im not too sure what you are getting at here... People that lose ships in pvp engagements will lose their coverage. If they choose to mission in low sec they have to be sure they dont get ganked because insurance will not cover it.
My intention is to provide 100% insurance coverage to mission runners in high security. You lose your ship in a mission you get it back through insurance. No money will be sent back you will get a ship by contract. If you lost your MISSION RUNNING ship in pvp then my insurance coverage wont help you.
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Jennifer Starling
Amarr
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Posted - 2011.01.23 20:10:00 -
[9]
Edited by: Jennifer Starling on 23/01/2011 20:10:16
Originally by: Cyaxares II people lose ships in pve?
Most puzzling indeed. The last PVE ship I lost was when my destroyer got stuck behind one of those $#@%^#$@% collidable objects!
CCP remove them!
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Tippia
Sunshine and Lollipops
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Posted - 2011.01.23 20:11:00 -
[10]
Originally by: Altunha
Originally by: Aessoroz Please post a list of everyone insured, I will be more than happy to redeem some sec status.
Im not too sure what you are getting at here...
He's trying to make your little venture look legità ùùù ôIf you're not willing to fight for what you have in ≡v≡à you don't deserve it, and you will lose it.ö ù Karath Piki |
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masternerdguy
Gallente Meerkat Maner
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Posted - 2011.01.23 20:12:00 -
[11]
Originally by: Altunha Master i have no intention to insure fittings; only ships.
PVP people can not be insured.. thats like insuring cars used in demolition derbys...
but the more insight i get the better.
thanks for your input!
fair enough. Your corp can expect a wardec from Meerkat Maner if you make this a reality.
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Iamien
Democracy of Klingon Brothers R.A.G.E
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Posted - 2011.01.23 20:15:00 -
[12]
Originally by: Altunha
Originally by: Aessoroz Please post a list of everyone insured, I will be more than happy to redeem some sec status.
Im not too sure what you are getting at here... People that lose ships in pvp engagements will lose their coverage. If they choose to mission in low sec they have to be sure they dont get ganked because insurance will not cover it.
My intention is to provide 100% insurance coverage to mission runners in high security. You lose your ship in a mission you get it back through insurance. No money will be sent back you will get a ship by contract. If you lost your MISSION RUNNING ship in pvp then my insurance coverage wont help you.
How do people prove that their ship was lost? How do you stop people from claiming their ship was lost when it waasn't? PVE kills cant be posted on KBs or anything.
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Altunha
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Posted - 2011.01.23 20:18:00 -
[13]
master
I dont think you see the big picture here.... There will be a corp with a toon.. maybe two .. that handles insurance transactions from a station like jita or amarr. Not really anything to shoot at unless you can target contracts and isk transfers...
You might be reading the wrong post if your looking for people to wardec.. but if floats the boat..
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masternerdguy
Gallente Meerkat Maner
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Posted - 2011.01.23 20:22:00 -
[14]
Originally by: Altunha master
I dont think you see the big picture here.... There will be a corp with a toon.. maybe two .. that handles insurance transactions from a station like jita or amarr. Not really anything to shoot at unless you can target contracts and isk transfers...
You might be reading the wrong post if your looking for people to wardec.. but if floats the boat..
i can also dec ur clients.
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Altunha
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Posted - 2011.01.23 20:23:00 -
[15]
Originally by: Iamien
Originally by: Altunha
Originally by: Aessoroz Please post a list of everyone insured, I will be more than happy to redeem some sec status.
Im not too sure what you are getting at here... People that lose ships in pvp engagements will lose their coverage. If they choose to mission in low sec they have to be sure they dont get ganked because insurance will not cover it.
My intention is to provide 100% insurance coverage to mission runners in high security. You lose your ship in a mission you get it back through insurance. No money will be sent back you will get a ship by contract. If you lost your MISSION RUNNING ship in pvp then my insurance coverage wont help you.
How do people prove that their ship was lost? How do you stop people from claiming their ship was lost when it waasn't? PVE kills cant be posted on KBs or anything.
So far Im thinking the combat log will be used for this purpose copy and sent by mail and maybe a screenshot..trying to keep it simple but i think you can forge a combat loss mail... anyhow the combat log is our answer here..
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Hexxx
Minmatar
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Posted - 2011.01.23 20:46:00 -
[16]
Originally by: masternerdguy
Originally by: Cyaxares II Edited by: Cyaxares II on 23/01/2011 19:47:46
people lose ships in pve?
(well, maybe in whs or incursions... but I am certain you would exempt these from insurance)
probably wouldn't hurt to have a look at the various MD threads on this topic (go through the posting history of Hexxx and you should find all the important ones )
would you insure fittings?
faction/T2 ships?
if pve peeps get full insurance on fittings and mods and rigs and all that crap, pvp guys need it to.
If you want to copy in-game insurance coverage, you will go out of business within a week. Insurance can work and will work, but not if it mimics CCP's insurance program. Projects Blog |
Hexxx
Minmatar
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Posted - 2011.01.23 20:50:00 -
[17]
Public Review: Summary of EVE Insurance (updated - pricing)
From the above...
-------------------------
Insurance in EVE has been challenging for players to do because of several "assumptions" people generally make. I will try to talk around the top three reasons and how EI will be addressing those.
1) Every ship should be insured This is one of the chief reasons most plans fail. Insurance should be approached from a risk perspective. Which ships have the most inherent risk, which ships have the least inherent risk? For EI, we realized a very important fact; asteroids don't shoot back when you mine them. Non-combat ships have less relative risk than combat ships do and by extension, are the most desirable to insure.
2) Insurance fraud can't be detected We took the viewpoint that we shouldn't try to detect fraud, we should try to PREVENT it. We prevent fraud by designing policies that simply don't leave fraud viable. We realized this could only be done for T2 ships which leave a wide margin between NPC value and market value. It is possible to insure a T2 ship while not having it pay a replacement cost. Another benefit of T2 ships is that all we need to do is provide "better" insuranceànot copy T1 insurance.
3. Perceived risk versus Actual Risk In designing policies, we estimated the risk people perceived versus the risk they were actually subject to. If you examine one of the old QEN reports you can see the product/loss ratio for Hulks was amazingly lowà.yet people were convinced Hulks were being destroyed far more frequently. This is important because insurance must be seen as valuable, otherwise people won't buy it. An overly conservative approach to risk by the insurer will result in over priced policies that no one buys. At EI, we think we can price policies people will buy. Projects Blog |
Aunty Nora
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Posted - 2011.01.23 20:55:00 -
[18]
Originally by: masternerdguy
i can also dec ur clients.
Haha you cant though, if you dont know who they are lol
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Altunha
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Posted - 2011.01.23 21:13:00 -
[19]
Originally by: Hexxx Public Review: Summary of EVE Insurance (updated - pricing)
From the above...
-------------------------
Insurance in EVE has been challenging for players to do because of several "assumptions" people generally make. I will try to talk around the top three reasons and how EI will be addressing those.
1) Every ship should be insured This is one of the chief reasons most plans fail. Insurance should be approached from a risk perspective. Which ships have the most inherent risk, which ships have the least inherent risk? For EI, we realized a very important fact; asteroids don't shoot back when you mine them. Non-combat ships have less relative risk than combat ships do and by extension, are the most desirable to insure.
2) Insurance fraud can't be detected We took the viewpoint that we shouldn't try to detect fraud, we should try to PREVENT it. We prevent fraud by designing policies that simply don't leave fraud viable. We realized this could only be done for T2 ships which leave a wide margin between NPC value and market value. It is possible to insure a T2 ship while not having it pay a replacement cost. Another benefit of T2 ships is that all we need to do is provide "better" insuranceànot copy T1 insurance.
3. Perceived risk versus Actual Risk In designing policies, we estimated the risk people perceived versus the risk they were actually subject to. If you examine one of the old QEN reports you can see the product/loss ratio for Hulks was amazingly lowà.yet people were convinced Hulks were being destroyed far more frequently. This is important because insurance must be seen as valuable, otherwise people won't buy it. An overly conservative approach to risk by the insurer will result in over priced policies that no one buys. At EI, we think we can price policies people will buy.
Very good points , all have been considered. At this time i dont want to divulge too much. Sadly I feel that ships that will be used in a pvp environment are non insurable.
My hope is to provide insurance to pilots that have been in game for at least a year, are pve enthusiasts and would not mind paying a small percentage of their ship value in order to be covered 100% against PVE LOSSES for about 6 weeks at a time.
Also i want to use variable rates for pilots who establish good track records in the form of lower premiums after the completion of a term without losing a ship. To sum it up pilots who dont lose their ship pay substantially less each time they renew.
As Ive said before it is much more complicated than just this and this post is meant as a probe to see how many might be interested.
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Tagera
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Posted - 2011.01.23 21:40:00 -
[20]
Originally by: masternerdguy
Originally by: Altunha master
I dont think you see the big picture here.... There will be a corp with a toon.. maybe two .. that handles insurance transactions from a station like jita or amarr. Not really anything to shoot at unless you can target contracts and isk transfers...
You might be reading the wrong post if your looking for people to wardec.. but if floats the boat..
i can also dec ur clients.
How would you figure out who his clients are?? You're kind of stuck in no win/no win situation with that as I'm certain that no one is going to tell as to whether they use his insurance system or not and I'm certain he won't tell you. I'd say it's a lost cause.
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masternerdguy
Gallente Meerkat Maner
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Posted - 2011.01.23 21:42:00 -
[21]
Originally by: Tagera
Originally by: masternerdguy
Originally by: Altunha master
I dont think you see the big picture here.... There will be a corp with a toon.. maybe two .. that handles insurance transactions from a station like jita or amarr. Not really anything to shoot at unless you can target contracts and isk transfers...
You might be reading the wrong post if your looking for people to wardec.. but if floats the boat..
i can also dec ur clients.
How would you figure out who his clients are?? You're kind of stuck in no win/no win situation with that as I'm certain that no one is going to tell as to whether they use his insurance system or not and I'm certain he won't tell you. I'd say it's a lost cause.
ok I can dec people and claim one of their members was using the service.
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Altunha
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Posted - 2011.01.24 00:29:00 -
[22]
join chat "Eve Supplemental Insurance"
Going live with this idea, at this time i will only insure ships used for pve and only up to Battleship class size. All T2 up to BS size are insurable. I hope to be able to include marauder class and faction BS in the near future.
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FreddyMac
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Posted - 2011.01.24 01:02:00 -
[23]
Im not seeing the point of this. By the time a player is a year+ old, they have long since stopped losing ships in PVE lol. What is the incentive to give a random stranger your isk, to "insure" a ship that you have a less than 1% chance of losing to pve content. For the insurance company, its a good deal. For the consumer, there doesnt seem to be much incentive for a well skilled pilot running lvl 4's to buy into this. I dont know, maybe Im wrong.
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Hexxx
Minmatar
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Posted - 2011.01.24 02:37:00 -
[24]
Originally by: Altunha join chat "Eve Supplemental Insurance"
Going live with this idea, at this time i will only insure ships used for pve and only up to Battleship class size. All T2 up to BS size are insurable. I hope to be able to include marauder class and faction BS in the near future.
And how do you intend to verify claims? The honor system? Projects Blog |
Slapchop Gonnalovemynuts
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Posted - 2011.01.24 02:47:00 -
[25]
Originally by: Altunha Sadly I feel that ships that will be used in a pvp environment are non insurable.
What...
Do you actually play EVE?
Last time I checked, as long as you are not docked, you are in 'a pvp environment'. This is a PvP game, there is no non-pvp space for carebears to play in. That statement right there tells me that you are just setting up a scam to get numptys to pay for insurance, then as soon as they undock and get their ship exploded, you can deny payment based on the fact that SPACE IS A PVP ENVIRONMENT. --------------------------------------------
Quote: EVE-Online... Too rough for ya? Don't like it? GTFO...
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FunzzeR
Death of Virtue MeatSausage EXPRESS
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Posted - 2011.01.24 03:00:00 -
[26]
My ships are in good hands with Allstate. PRAISE THE SCOTTISH FOLD!!
THEIR WILL SHALL BE DONE!! |
Joss56
Gallente Unleashed' Fury
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Posted - 2011.01.24 03:40:00 -
[27]
Originally by: Altunha I would not insure fittings. Or at least have not thought of a feasible way to insure fittings and keep track of them.
Well, if you take a look at the "pve'r" boat that need any good insurance you can't say no to fit insurance.
ATM - wy insure any ship that costs more than 200M ? the indem is absolutly ridiculous, doesn't even covers one T2 rigg so if you can buy/fit that kind of ship do you care about 70M or even 100M of indem when this insurance costs an eye or two? And can you give any good example of PVE ship because if you talk about T2 fit any pvp'r has T2 fit too.
So Faction mods T2 riggs Officer stuff witch means mutch more than the ship's price would not be insured, and this insurance would OC cost a lot more than actual one. Where's the interest?
The current system is only intersting imo, for T1 cruisers/battlecruisers/battleships (not faction ones or T2's) everything over this is just throw isk by the window, give it to local pirates.
If you can pay yourself faction mods over 100M and fill your ship with, you don't need any insurance like it is now or something that will be just a little better for a biger cost. ________________________________________________
"You do realise you live on a globe, right? And that there places outside the USA/UK?"
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