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NitroX infinity
Caldari Science and Trade Institute
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Posted - 2009.08.15 12:31:00 -
[1]
I bought my battlecruiser for roughly 34 million ISK. I insured it for roughly 11 million ISK. Let's say that all in all, it cost me 46 million. Here's the catch; now my battlecruiser is insured for about 38 million ISK which means I'll loose out about 8 million because of insurance. Okay, that's better than with no insurance but to top it all of; my equipment is not insured!
Surely, should there not also be insurance for modules? Yeah sure; some of your modules survive destruction, but if you don't have a ship with a proper cargohold nearby, you can kiss that stuff goodbye!
The costs for fitting a battlecruiser (or even a cruiser) usually exceed the costs of a simple frigate, by a large margin! So should we not be able to insure such precious items? Life as a Caldari Soldier; The epic tale of one among many |
Herschel Yamamoto
Agent-Orange
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Posted - 2009.08.15 13:10:00 -
[2]
I'm not sure if this is parody or just missing the point. Insurance exists to let players survive losing ships, not to make losses irrelevant.
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NitroX infinity
Caldari Science and Trade Institute
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Posted - 2009.08.15 13:47:00 -
[3]
It's not a parody.
You can insure your home, you can insure what's in your home. So why can't I insure what's in my ship? Life as a Caldari Soldier; The epic tale of one among many |
Omber Zombie
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Posted - 2009.08.15 17:23:00 -
[4]
and what would you base that insurance value on? The price it is sellable for at the time of insuring? How about current market price? Which market should the SCC use? What if you lose the ship in lowsec/0.0, you put the ship in a risky place?
The insurance debate is not a simple one, using any of the above as a way of figuring out the insurance value is exploitable. If you check the Market Discussion forums you'll see a few discussions about player implemented insurance scheme's covering most of this. ----------------------
My Blog |
Zer'Adul
Kore Heavy Industries Interstellar Trade Syndicate
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Posted - 2009.08.16 05:21:00 -
[5]
Originally by: Omber Zombie and what would you base that insurance value on? The price it is sellable for at the time of insuring? How about current market price? Which market should the SCC use? What if you lose the ship in lowsec/0.0, you put the ship in a risky place?
The insurance debate is not a simple one, using any of the above as a way of figuring out the insurance value is exploitable. If you check the Market Discussion forums you'll see a few discussions about player implemented insurance scheme's covering most of this.
How about basing it on the mineral value of the items in question? Eve already has something like this integrated into contracts. Would be a simple thing to adapt code that already works well to provide that output to a new area.
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Omber Zombie
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Posted - 2009.08.16 17:18:00 -
[6]
Originally by: Zer'Adul
How about basing it on the mineral value of the items in question? Eve already has something like this integrated into contracts. Would be a simple thing to adapt code that already works well to provide that output to a new area.
The current contract system uses the item's baseprice value which is an arbitrary number decided by ccp when they add the ship/mod to the database, and the numbers used are the original npc baseprice of minerals. The current insurance system is already using that value for ships, adding it in for modules would do very little since every variation of that module (the meta value) is identical (or very close to). A t1 gun is then worth the same amount as an officer/commander/faction/whatever gun for insurance purposes. ----------------------
My Blog |
M Blanc
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Posted - 2009.08.16 18:36:00 -
[7]
The idea of a man walking into an insurance broker's office and trying to purchase cover for a ship of war sounds like the setup for a Monty Python sketch...
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Dierdra Vaal
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Posted - 2009.08.17 08:36:00 -
[8]
what happens to the insurance if I take modules off? Not to mention that while IRL you can insure your stuff, its a lot harder to scam the insurance company IRL (or get away with it at least).
The idea is nice but I'm afraid it would be hugely impractical/exploitable. Director of Education :: EVE University
Chairman of the CSM
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Cryten Jones
Gallente Eldritch Storm The Matari Consortium
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Posted - 2009.08.18 09:03:00 -
[9]
you know you could make the whole insurance thing easier and fairer if you just allowed people to set a value and then charge a premium based on the requested amount modified by sec status and number of ships lost in say last month or something.
So I can insure my Ibis with a cargo of a covert ops cloak for 250,000,000 ISK if I want to but it will cost me xyz ISK PER MONTH until I cancel it or get blown up.
Ship losses will result in a x% increase in premiums which stay in place for say a month after the last loss.
Insurance only pays out if there was a kill right assigned so no concord payouts.
The only issue I can't solve is the cheating opportunity of getting a mate to blow up your 1 billion issued ibis....
Any ideas ?
-CJ
Originally by: Nogap toosmall
and your understanding of probability is on par with a radish.
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SeduceRX
Amarr Phoenix Industries corp
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Posted - 2009.08.19 15:28:00 -
[10]
I agree, there shouldnt be insurance on modules, the insurance is just to make sure a player can get back off there feet after losing a ship.
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