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Priestess Naja
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Posted - 2005.11.14 20:53:00 -
[1]
I just bought a Minmatar Destroyer at -24% of the regional price. At least that is what the Market stated. Which I was told was a good price.
As the New Citizen's tips and the tutorial stated to do, I bought insurance for it.
After buying the insurance, I noticed that even the platinum insurance (highest insurance rating) was for 25% less than my buying cost of the ship.
My question is how do they determine the insurable value for the ship? It seems that the insurance is based on a pre-determined CCP value of a said ship not the current market average.
Is it done that way so people will try and not get their ship blow up for the insurance?
thank you in advance for any information or comments that you might put forth
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Tobiaz
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Posted - 2005.11.14 20:57:00 -
[2]
For every item there is an NPC prefixed value.
For most items it's related to the amount of minerals it requires to build it which also have a fixed NPC value.
These NPC values are way lower normally then what players will pay for them, thus creating a gap between insurance payout and market value.
This is not always the case though. Especially for popular T1 frigates it's quite possible to find sellers who sell at a cost lower then the insurance payout+fee.
Don't expect to get rich by buying these and then blowing them up (though it is possible), since it's quite timeconsuming and pays very little.
Who put those rats in the fridge?! |
Kylania
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Posted - 2005.11.14 21:00:00 -
[3]
Insurance rates are based on the NPC price for the minerals needed to make the ship. It's generally slightly less than the market price for a ship.
Remember, the market price is based on player prices for a ship and can vary wildly. Also depending on where you buy a ship you can save a lot of money. Like prices for a Amarr Inteceptor was 11 million ISK in Caldari space, but when I got to Amarr space it was only 8.5 million. Generally you can ignore the "-24%" part and just judge a price based on the amount compared to other amounts you or others have seen.
Biggest reason to insure is to have some cash to help you get a new one should you lose it. Can you afford the 800k for a new destroyer? If so, maybe you don't need to insure it, but if you've only got a few hundred K and couldn't replace the ship quickly, you might spend a little on insurance to help you out. -- Lil Miner |
Damien Crow
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Posted - 2005.11.14 21:05:00 -
[4]
Indeed, plus ships get blown up. It's a part of playing the game. Personally, I'd rather get any ammount of money for it than just have to fork over the entire cost all over again. Only ships that aren't worth insuring for me are faction frigates.
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Pagefault
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Posted - 2005.11.15 10:43:00 -
[5]
The best example are the tech2 ships: 100% insurance will cover less then 10% of the cost.
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Riku Suzuki
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Posted - 2005.11.15 10:56:00 -
[6]
Yes. You will get to know what ships are more insurable than others. Generally tech1 ships are very insurable (with exceptions ... destroyers and battle cruisers being 2 of them). This is why even many advanced players prefer to use some tech1 ships over tech2 ships (eg, a battleship is much more insurable than a heavy assault cruiser), because losing them is much less of a true "loss".
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