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Druid R
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Posted - 2005.08.01 12:15:00 -
[1]
Lets make insurance a bit more like real life. So if you want to cancel your contract you get a pro rata refund based on intial value -10%. so you never get all your moneyu back even if you cancel straight away, but you can get some. Also how about a no claims bonus. YOu have to have 4 insurances gone through (expired) without making a claim, and the next one if you do have to claim then you get the normal payout plus your money back. If you dont claim then is as normal, but rule applies until you do make a claim,
1st insurance 10m isk > no claim
2nd insurance 10m isk > no claim
3rd insurance 10m isk > no claim
4th insurance 10m isk > no claim
5th insurance 10m isk > Claim > payout (say 50m) plus your 10m back
Have to start with 4 clean insurances again b4 deal occurs.
Dru. |
Druid R
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Posted - 2005.08.02 11:26:00 -
[2]
did nobody like my idea?
Dru. |
TuRtLe HeAd
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Posted - 2005.08.02 11:32:00 -
[3]
no claims is interesting.
I think it should be simpler.If your insurance contract expires and you havn't claimed the next insurance cost is reduced. and so on and so forth.
The reason that this probably doesn't happen is because insurance in EvE is extremly exploitable when u start reducing the costs. |
d Ankou
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Posted - 2005.08.02 12:36:00 -
[4]
Edited by: d Ankou on 02/08/2005 12:36:29
Its an interesting idea.
The no claims bonus would make it an incentive not to exploit the insurance system.
I do think insurance needs to be looked at in terms of being able to upgrade insurance on an existing ship.
Also, like real life. why not impliment a monthly insurance payment scheme. i.e. instead of paying a lump 30 mill insurance for 3 months, why not be billed for 10mill per month for 3 months. The bill would appear in the wallet and if it wasn't paid by the time the month is up the insurance is cancelled.
Any thoughts?
What better place than here, what better time than now? |
twoofmany
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Posted - 2005.08.02 18:04:00 -
[5]
First if their is any changes it should be that you can insure anything, not just ships. Additionally we don tneed insurance more like RL. If you are happy witht he way your insurance is figured then your crazy. If i think about how my car insureance work vs insureing one of my ships i'd rather Pay for my car like I pay for ship rather then pay for my ships like i pay for my car.
If Eve insurance was like RL....
1.Everytime you lost a ship your premium would go up...
2.You would have to insure every ship that was space worthy. (IE all of them)
3.Your rates would very depending on the sec rating of the space your flying in.
4.Your rate would depend on how many ships other people lose.
5.The longer you have your ship the less you would recieve as a payout, reguardless of how much you have paid into it so far.
6.Any dmg or repairs would increase your rate.
7.Claims could be challanged or require investigation, putting off your payout date by 1month to couple years.
8.With out notice your insurance rate would go up because "they refigured their rating system"
9.You would have to take out a seperate policy for all the different ways your ship could be distroyed.
10.Your rate would depend on what the ship will be used for, NPCing PVP, mining, hauling...
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Eva Cenlentay
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Posted - 2005.08.02 23:46:00 -
[6]
I don't think there is any need to make it that close the RL insurance.
I think a weekly/monthly payout would be good though. All those people that pay 30M to insure a BS for it to blow up an hour later - No matter how worth it is, it never looks like it.
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