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INSURANCE - STOP IT!

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Caius LiviusCerso Caldari Science and Trade Institute	Posted - 2010.08.20 04:25:00 - [1] Can you please cancel insurance from Concord kills? Its unlawfull to purposely engage neutrals in empire space knowing insurance will cover your loss....
AtheistOfFail Caldari	Posted - 2010.08.20 06:10:00 - [2] As sad as it is for me to say, this is not gonna get my support. EvE Online is a sandbox and supports multiple playing styles. With the new insurance amounts, only about 80% or so of a T1 ship is returned.
Mag's the united Negative Ten.	Posted - 2010.08.20 06:50:00 - [3] Edited by: Mag''s on 20/08/2010 06:52:22 Originally by: Caius LiviusCerso Can you please cancel insurance from Concord kills? Its unlawfull to purposely engage neutrals in empire space knowing insurance will cover your loss.... No and wrong. Plus I think you are under some illusion that with the removal of insurance, suicide ganking would stop. Wrong again. Edit: Also CCP have said they are not for now, going to remove insurance from concord kills. This is mainly due to new player accidents. Originally by: Allestin Villimar Also, if your bookmarks are too far out, they can and will ban you for it. Originally by: Torothanax Low population in w systems makes afk cloaking unattractive.
Caius LiviusCerso Caldari Science and Trade Institute	Posted - 2010.08.20 08:52:00 - [4] no illusions, only that purposefull ganking has to have a higher price. so yes, they will change it, just not now.
Mag's the united Negative Ten.	Posted - 2010.08.20 09:23:00 - [5] Edited by: Mag''s on 20/08/2010 09:24:43 Originally by: Caius LiviusCerso no illusions, only that purposefull ganking has to have a higher price. so yes, they will change it, just not now. No, they said they will look at it later, that does not constitute a 'yes they will change it' statement only a 'they may change it' one. Originally by: Allestin Villimar Also, if your bookmarks are too far out, they can and will ban you for it. Originally by: Torothanax Low population in w systems makes afk cloaking unattractive.
Robert Caldera	Posted - 2010.08.20 09:46:00 - [6] yes, remove insurance from the game. Or, at least, make its cost progressive so only few first losses are covered well but after then you're paying ridiculous cost for insurance. People, who trash ships on purpose, should pay them for themselves. No fleet fights of insured ships should be possible.
Valandril Caldari Ex-Mortis	Posted - 2010.08.20 09:47:00 - [7] Originally by: Robert Caldera yes, remove insurance from the game. Or, at least, make its cost progressive so only few first losses are covered well but after then you're paying ridiculous cost for insurance. People, who trash ships on purpose, should pay them for themselves. No fleet fights of insured ships should be possible. You are aware that when you will drop insurance then after ~6 months of market settling everything will be the same price-wise ? Read latest "THE WORD"
Robert Caldera	Posted - 2010.08.20 10:39:00 - [8] Edited by: Robert Caldera on 20/08/2010 10:41:19 Originally by: Valandril You are aware that when you will drop insurance then after ~6 months of market settling everything will be the same price-wise ? what will be the same? I dont care about the market, people should pay for their losses, especially when they sacrifice ships on purpose. And yeah, insurance payouts to concordokkened pilots should get removed entirely, they are warned with a message before taking aggressive actions which are sanctioned by concord.
Isidore Tailleur Sniggerdly Pandemic Legion	Posted - 2010.08.20 13:27:00 - [9] Insurance should defiantly not be removed. Not being able to mess around PvPing in T1 hulls at low cost would probably ruin this game for a lot of causal players that just don't spend enough time on EVE to afford T2 and like PvP... It is however good the insurance is only for the T1 hulls. I don't see the benefit of adding T2 insurance like they plan tbh. If you wanna fly the best stuff you should pay the full cost...but there should be a cheap and fun option for the casual player that insurance provides now. When it comes to suicide ganking for profit removing insurance on concord kills would do **** all. Even if you paid the full cost of the hull the greatest cost engaging when you suicide for profit is the 15 minutes you can't do anything afterward. Hundreds of billions may pass by in those 15min ... so you still have to wait for high value targets either way. Or use a whole bunch of disco alts...
Tobias Sjodin Ore Mongers Black Hand.	Posted - 2010.08.20 15:23:00 - [10] Dear OP, Thank you for asking an easy question. Those are the best kinds, as they do not require a lot of investigation to answer. The answer is a simple, no.

Alan Kell Minmatar	Posted - 2010.08.20 16:19:00 - [11] Make insurance a player based system. If you purchase insurance from a player corp offering it, you get reimbursement(maybe).
Isidore Tailleur Sniggerdly Pandemic Legion	Posted - 2010.08.20 16:23:00 - [12] Originally by: Alan Kell Make insurance a player based system. If you purchase insurance from a player corp offering it, you get reimbursement(maybe). Yes, and I assume you would insure my ships? I lose about 100% of the ships I insure ... what would that cost?
Alan Kell Minmatar	Posted - 2010.08.20 16:29:00 - [13] Originally by: Isidore Tailleur Originally by: Alan Kell Make insurance a player based system. If you purchase insurance from a player corp offering it, you get reimbursement(maybe). Yes, and I assume you would insure my ships? I lose about 100% of the ships I insure ... what would that cost? The premium would likely increase over time, assuming I were willing to provide that kind of service. Presumably the most common player provided service would end up the same way as most player provided "banks". But hey, that's capitalism! Don't most Americans embrace it?!
Dasubervixen Amarr	Posted - 2010.08.20 17:26:00 - [14] Originally by: Caius LiviusCerso Can you please cancel insurance from Concord kills? Its unlawfull to purposely engage neutrals in empire space knowing insurance will cover your loss.... Did the ebil piwate make your ship boom? Aw, poor baby. Don't cry. I have a suggestion for you OP. Instead of changing the game for everyone else. How about you become a better player?
Alexander Third Gallente Crystal Industries	Posted - 2010.08.20 17:36:00 - [15] Edited by: Alexander Third on 20/08/2010 17:35:55 Originally by: Dasubervixen Originally by: Caius LiviusCerso Can you please cancel insurance from Concord kills? Its unlawfull to purposely engage neutrals in empire space knowing insurance will cover your loss.... Did the ebil piwate make your ship boom? Aw, poor baby. Don't cry. I have a suggestion for you OP. Instead of changing the game for everyone else. How about you become a better player? stop flaming, its against forum rules. also thats not nice. and I don't care if you call me a carebear for saying that because I just know you're to afraid to lose the ability to get reimbursed for illegal activities. It doesn't make sense. what insurance company in the right mind would pay someone for hitting a car In real life car insurance companies won't pay you if you hit someone on purpose, why should this happen in EVE online.
Dasubervixen Amarr	Posted - 2010.08.20 17:53:00 - [16] Originally by: Alexander Third Edited by: Alexander Third on 20/08/2010 17:35:55 Originally by: Dasubervixen Originally by: Caius LiviusCerso Can you please cancel insurance from Concord kills? Its unlawfull to purposely engage neutrals in empire space knowing insurance will cover your loss.... Did the ebil piwate make your ship boom? Aw, poor baby. Don't cry. I have a suggestion for you OP. Instead of changing the game for everyone else. How about you become a better player? stop flaming, its against forum rules. also thats not nice. and I don't care if you call me a carebear for saying that because I just know you're to afraid to lose the ability to get reimbursed for illegal activities. It doesn't make sense. what insurance company in the right mind would pay someone for hitting a car In real life car insurance companies won't pay you if you hit someone on purpose, why should this happen in EVE online. Flaming? You call it flaming. I call it speaking my mind. I'm tired of people trying to dumb the game down to the WoW level of stupidity. I'm a trader/miner mostly. I have no problem with players who suicide gank for cargo. In fact, I like them. They have done me quite a lot of good. Learning to spot/evade/counter them has made me a better player. Knowing that they're out there makes hauling valuable cargo more exciting and fun for me. Like most predators, they weed out the slow and the stupid. That keep my competition down. So I'm all for what they do. When I get blown up and I have been blown up. I don't go crying in the forums. I look at what happened and what I may have done wrong or missed about the encounter. They I adjust my strategy. So the to "suicide gankers" I say. "Keep up the good work." To the players who cry in the forums and want everything made easy and safe I say. "LTP or GBTWoW."
Alexander Third Gallente Crystal Industries	Posted - 2010.08.20 17:58:00 - [17] I'm not saying to eliminate suicide gankers either. they help eliminate macros. I'm not trying to get them to change, I'm trying to get the game to change. I don't think it makes sense that people who destroy their own ships on purpose to get paid.
Dasubervixen Amarr	Posted - 2010.08.20 18:00:00 - [18] Edited by: Dasubervixen on 20/08/2010 18:00:54 Originally by: Alexander Third I'm not saying to eliminate suicide gankers either. they help eliminate macros. I'm not trying to get them to change, I'm trying to get the game to change. I don't think it makes sense that people who destroy their own ships on purpose to get paid. People do it with cars IRL all the time. So why not here too? I don't think insurance is broken. There is no need to fix it.
Goose99	Posted - 2010.08.20 18:46:00 - [19] Originally by: Dasubervixen Edited by: Dasubervixen on 20/08/2010 18:00:54 Originally by: Alexander Third I'm not saying to eliminate suicide gankers either. they help eliminate macros. I'm not trying to get them to change, I'm trying to get the game to change. I don't think it makes sense that people who destroy their own ships on purpose to get paid. People do it with cars IRL all the time. So why not here too? I don't think insurance is broken. There is no need to fix it. They actually don't. Your insurance will rise fast, unlike in Eve.
Dasubervixen Amarr	Posted - 2010.08.20 18:56:00 - [20] Edited by: Dasubervixen on 20/08/2010 18:56:07 If insurance rates are going to be raised for losing ships. They they should be raised for every player. Every time they lose a ship. Just like in RL.

Alexander Third Gallente Crystal Industries	Posted - 2010.08.20 19:16:00 - [21] Originally by: Dasubervixen Edited by: Dasubervixen on 20/08/2010 18:00:54 Originally by: Alexander Third I'm not saying to eliminate suicide gankers either. they help eliminate macros. I'm not trying to get them to change, I'm trying to get the game to change. I don't think it makes sense that people who destroy their own ships on purpose to get paid. People do it with cars IRL all the time. So why not here too? I don't think insurance is broken. There is no need to fix it. However In real life, if you hit someones car on purpose the insurance company will NOT allow you to use their money to pay for your or the victims damages, they will make you pay for everything.
Dasubervixen Amarr	Posted - 2010.08.20 19:27:00 - [22] Edited by: Dasubervixen on 20/08/2010 19:27:00 Originally by: Alexander Third However In real life, if you hit someones car on purpose the insurance company will NOT allow you to use their money to pay for your or the victims damages, they will make you pay for everything. In real life you can't fly around in a spaceship. So how much like real life do you want to make the game?
Alexander Third Gallente Crystal Industries	Posted - 2010.08.20 19:31:00 - [23] good point, but still what insurance company in the right mind would pay a criminal that did an illegal act. Imagine the person trying to get the claim you: Hello I'm here to claim money for my insured ship Insurer: okay, how did you lose it? you: I tried to kill someone and concord came and destroyed my ship Insurer: sorry we don't cover criminal acts you: what why not Insurer: click
Oliver Stoned Minmatar Republic Military School	Posted - 2010.08.20 19:44:00 - [24] Insurance and accidents? Where are the lawyers? And the newest Eve mini profession is borne. SPACE LAWYERS also known as Spaceship Chasers. Don't go out and blow up your adversary for revenge. Sue him in court. Take all that he owns. Make him pay!! Literally. And a new reality show is borne, Space Court. To be aired on Eve TV during the Alliance Tourney.
Dasubervixen Amarr	Posted - 2010.08.20 20:09:00 - [25] Edited by: Dasubervixen on 20/08/2010 20:10:57 Originally by: Alexander Third good point, but still what insurance company in the right mind would pay a criminal that did an illegal act. Imagine the person trying to get the claim Yes, but again that's in RL. We're playing a game here. I like the suicide gankers. I like the salvage ninjas. I like the can flippers. I like the high-sec merc-corp war deccers. I like the corp thieves. I like the scammers. I like all the griefers, gankers and whatnot. Because they make EvE the most fun game I've ever played. Without them EvE would be as boring as all the other MMOs. Stop trying to change things that don't need to be changed. If you want My Little Pony Onilne. Then go play My Little Pony Online. This is EvE. Its different from all the rest. That's what makes it so great.
Slimy Worm Cyan Wolf	Posted - 2010.08.22 00:24:00 - [26] Originally by: Caius LiviusCerso wha wha nerf suicide ganking wha wha gb2wowkthxbai
Avion Saberis Gallente	Posted - 2010.08.22 02:01:00 - [27] Originally by: Alexander Third blah It's true that eve does mimic some things in RL, but what your asking is taking it a bit too far. In this game the insurance company is a robot, inwhich pays out what ever amount of money you have insured your ship with. Leave it at that. It's better to leave somethings as they are instead of changing them cause you don't like being sucide ganked. It's Eve, PvP is everywhere, YA!! ------------------------------------------- I like to hide, then when the right moment comes, i go pew, pew, pew, then i go back to hiding, :)
Oliver Stoned Minmatar Republic Military School	Posted - 2010.08.25 20:26:00 - [28] Edited by: Oliver Stoned on 25/08/2010 20:25:58 And what would be wrong with hiring a space freighter chasing lawyer? He could hire the Private Investigator to find where the scum lives. Then sick a Bounty Hunter or a Merc for hire on him/her. Of course the lawyer gets his 30% of whatever the scum gives to be left alone.
Caleb Ayrania Gallente TarNec manufacturing disaster	Posted - 2010.08.25 20:37:00 - [29] In RL insurance is usually a broad covered service.. You pay monthly and per car.. Since EVE indvidual ships arent really that "unique" why not make a simpler insurance service.. You pay a set amount that has a max payout. If you want more ships per month loss service you pay more. Also this could be a rather simple solution to a long standing problem. You get insurance the longer you can stay without losses the lower your cost per week. When you start loosing ships the premium goes up and the payout goes down. Since renewal of contracts "resets" the premium then initial contact fees would be the "cap".. Insurance would ofc be based on a per ship max payout and a per week "max" payout before it raise the price per week.. Something like this would also help with the "forgetful" players. Tycoon wannabe go here: SCC Lounge cocktails and Dreams.
Victoria Lightheart	Posted - 2010.08.25 23:11:00 - [30] I do agree with the first post. Concord kills should pend no insurance payout. I also agree with some of the other posts. Like the reason that the game is so fun is because "people" not a robot, Can gate gank, can flip, and grief. It makes the real players better at what they do. It keeps you looking over your shoulder. Here is a simple solution. 1. Concord kills pend no money from insurance through concord. 2. If you want insurance for criminal activity, seek insureing it with a station out in low sec or null sec. 3. The insurance comes at a slightly infalted price and the payout is cut slightly. say a total of 10 - 15 % in both directions. So a 10% increase in premium to a 10% decrease in payout. 4. Now you have solved the problem of people saying that CONCORD just payed to kill you. Now you can have clandestine insurance, for clandestine activity. Like in real life, the mafia will insure your car. They don't care what you do with it.



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