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Devonhurt
Caldari
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Posted - 2010.05.27 16:00:00 -
[1]
Made a petition but i was going to put it here just incase i've made a horrible mistake and misunderstood it completely!
Quote: Hey, im not sure if i've gotten this right but im confused by the insurance methods in tyrannis. My main concern is, i paid for my dreadnought insurance about a week ago for a set fixed 12week plan with a 450mill pay in. Am i still going to be on this plan or not?
What has changed with tyrannis? Has the payout AND the amount you pay in been lowered? Has my old plan that i purchased been effected and given a lower pay out? If so surely i should be refunded if the amount you pay in is different? It just feels at the moment like i've paid for a contract to CCP/insurance that is fixed with a 450m pay-in and has a fixed payout but according to the help channel even though i've paid my 450million isk im now going to get a completely different plan with a lower payout.
If i've misunderstood i apologise.
Cheers
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ace jetpack
Minmatar Sebiestor tribe
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Posted - 2010.05.27 16:25:00 -
[2]
Thats right,You were taken for a CCP ride just like me. NO where in the patch notes does it say anything about losing isk do to the insurance re-adjustment. which is total crap. They could have atleast warned us instead of being a totally suprised. I was under the impression that the insurance would be caculated based on real market prices and would also include how much the ship dies. So how in the world did you guys reduce carrier payouts by 245mil isk? When in the last month carriers have died like crazy ? I dont understand this I really would like someone to explain this if they could thank you.
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Whitehound
The Whitehound Corporation
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Posted - 2010.05.27 16:52:00 -
[3]
Edited by: Whitehound on 27/05/2010 16:52:59 Not a horrible mistake, no, only you are a beach.
The part which you fail to understand, dear OP, is that CCP could as well have destroyed all insured ships before releasing Tyrannis.
In any case, you wrote a beaching petition! Congrats!! --
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Pohbis
Neo T.E.C.H.
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Posted - 2010.05.27 16:58:00 -
[4]
Originally by: ace jetpack So how in the world did you guys reduce carrier payouts by 245mil isk? When in the last month carriers have died like crazy ? I dont understand this I really would like someone to explain this if they could thank you.
Read the Dev Blog.
Originally by: Dev Blog The idea is that these are cut to a fraction of their current payout values so they might only get 1-10% for example of the base build value of their ships. This is done with the intention of making strategic ship classes be more valuable targets and their death have much stronger meaning and value.
That said. Those percentages aren't in yet as far as I'm aware. What you get is the mean mineral price value, and prices are down, as such, so are carrier payouts.
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GauteGodager
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Posted - 2010.05.27 17:06:00 -
[5]
Originally by: ace jetpack I was under the impression that the insurance would be caculated based on real market prices and would also include how much the ship dies. So how in the world did you guys reduce carrier payouts by 245mil isk? When in the last month carriers have died like crazy ? I dont understand this I really would like someone to explain this if they could thank you.
I'm not sure how new insurance works except that the base reimbursed value is based on mineral value. But for the other part, if it was implemented (don't think it is ?), the more a ship dies the lower it's insured value should be. And if the insurance company was smart, you would keep getting lower and lower insured values every time you die
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Zarnak Wulf
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Posted - 2010.05.27 17:18:00 -
[6]
The happy side of the insurance changes was supposed to be 30% to 60% coverage of T2 ships. The more of a high-risk tackle role the ship had the higher that coverage was to be.
I eagerly logged on to take a look at the new coverage for my wolf. 5.5 million isk coverage for the cost of 1.5 million platinum policy. The T2 AF goes for 20 million in the region I'm in. That's not even 25% coverage. I'm a bit underwhelmed.
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Letrange
Minmatar Chaosstorm Corporation Apoapsis Multiversal Consortium
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Posted - 2010.05.27 17:55:00 -
[7]
Learn to read. The dev blog clearly stated that the payout would be at the rate of the day the destruction happened REGARDLESS of the cost of setting up the insurance. You're not getting a quote, you're getting an estimate (just like at the garage).
Originally by: CCP Chronotis This means the insurance quote when you are buying insurance will be now estimated and may change if the payout occurs during the next insurance period.
from here.
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Kithran
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Posted - 2010.05.27 18:07:00 -
[8]
The basis for all insurance payouts is the material cost to build the ship with a perfect bpo.
The costs for each mineral used to be static.
The costs for each mineral is now based on the average price of that mineral.
The same applies for t2 ships - except you have other items than the minerals making up the cost.
It doesn't matter if a wolf sell for 1 million or 100 million where you are - what matters is the average price of the components.
When ccp say t2 insurance will be increasing it means you get a larger percentage of the build cost than before, and depending on the ship type you may also be getting a larger percentage.
With t3 the same process applies however it is only the hull that gets insured, not the subsystems.
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