Winterblink
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Posted - 2005.06.29 16:38:00 -
[1]
 Originally by: Miri Tirzan
1. No insurance for wars
2. No insurance for illegle acts
3. No insurance out side of Empire
4. No Bounties on NPCs outside of Empire
5. Warp-in to non-structures is minimum 500 km
6. Add speed and agility to cruisers
7. Restrict races ships racial weapons
Some comments of my own.
1-3. You're talking about overhauling insurance to make it more in line with the real life thievery that is the insurance industry. Here's how I would do it, drawing on your suggestions.
So you're Miri Tirzan flying a ship and doing empire type duties. You need insurance on a ship, so you go to a private insurance company. They see you're not typically inclined to do illegal stuff, so you get a reasonable rate. Make it a weekly rate, so the insurance is persistent as long as you keep paying your bill. This is based on an insurance standing of some kind.
But wait, you get get pulled over by CONCORD for hauling some illegal cargo. Cargo that's illegal enough to be noticed by your insurance company (depending on the tier of illegality this would change). Your insurance standing plummets a bit, and suddenly your premiums go up, and stay up until that standing slowly grows back to its original level through good deeds on your part, or a lack of bad deeds over time.
So your corp decides to go to WAR. Here's where things get interesting. Your private insurance won't touch you, so deaths during corporate and alliance wars result in nothing paid out. However, say we have the ability to align our corp with a sovereignty like the Gallente Federation. If you're at war with enemies of that sov, the military covers your insurance to a level based on your corp's standing with the sov. Otherwise they won't support you or your losses.
Once your war's over, your private insurance contract returns to normal.
Dunno, maybe I'm full of it, but it sounds like it might be an interesting way of going. Someone can probably shoot this full of holes, but they're welcome to. :)
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