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Arpad Elo
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Posted - 2010.02.26 18:30:00 -
[1]
What are the premiums on a T2 frig? What are the payouts?
Is this typical of all T2 ships?
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Kahega Amielden
Minmatar Reckoning.
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Posted - 2010.02.26 18:44:00 -
[2]
Originally by: Arpad Elo What are the premiums on a T2 frig? What are the payouts?
Is this typical of all T2 ships?
I think my Harpy pays like 1.3 mil or so out with platinum insurance. Premium is a couple hundred thousand.
And yes, it is typical of all T2 ships.
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Matalino
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Posted - 2010.02.26 18:44:00 -
[3]
Insurance premiums and payouts have no connection with market prices. The insurance premium for platinum coverage is 30% of the payout. The free insurance payout is 40% of the platinum. Thus you effectively double whatever you paid as an insurance premium if you lose your ship. However, their is no guarentee that will be enough to replace any ship T1, T2 and even T3.
With current market conditions, T2 ships will cost more than their platinum payout. This is typical and intended. T1 ships will often cost less than their platinum payout, agains this is typical and intended.
You can look up the platinum pay out in many game tools, such as EveMon. It is listed in the ships attributes as the Base Price.
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Arpad Elo
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Posted - 2010.02.26 19:11:00 -
[4]
Awesome, ty guys.
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Dorbin Callas
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Posted - 2010.02.28 16:36:00 -
[5]
Just to point out - you will profit from insuring a T2 ship, it's not a "waste" of ISK. (assuming something untoward happens to the ship of course)
By the way, do you have an Elo rating? 1832 here.
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Baka Lakadaka
Gallente Agony Unleashed Agony Empire
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Posted - 2010.03.01 00:14:00 -
[6]
T2 insurance is a cheap, no-frills insurance cover for a fixed value.
Don't expect it to come anywhere near your replacement cost for the T2 hull.
It's worthwhile in that you'll get more back by buying insurance than you would by not buying insurance (even after you deduct the premium cost). Just don't expect new-for-old replacement, it's more of an agreed value based on some arbitrary base material values that don't take into account the manufacturing costs (invention, BPC copying, Reactions, Moon-Goo mining, etc.).
/derail Having said all that, I'd prefer that Insurance on T2 ships wasn't on par with the cost - imagine a suicide gang of T2 Battlecruiusers (aka Command Ships) that cost next to nothing to replace. It's bad enough that battleships cost next to nothing to replace after a suicide gank - after all RL isurance companies don't pay you out if you ram-raid the local bank in your car. (not that I necessarily hate suicide ganks - it's just a little unbalanced IMHO) //end derail - we now return to your regularly scheduled program
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