Emma Royd
Maddled Gommerils
219
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Posted - 2013.04.07 09:12:00 -
[1] - Quote
Ace Uoweme wrote:
If your house burned down, the insurance company isn't just going to pay for the reconstruction of the house, as policies cover the contents in the house, too.
Certainly in the UK, I don't know about anywhere else, it's fairly common to have seperate Building and Contents insurance, the building insurance should cover demolition and rebuild costs, the contents insurance covers possessions etc.
Ace Uoweme wrote:One method of changing it is basing the payout based on how RL auto insurance operates. If you keep getting in wrecks the premium increases and increases. If you're a "good driver" the premiums decrease.
So, cheaper rates and higher payouts for those with a history of less "accidents" (and take the necessary precautions in having a ship). Those who continue to lose ships just because "I CAN!!!", face the reality of real insurance (in reality, carriers will drop you as a client, too).
People want EvE to be difficult, so let's have some more reality in the game.
I'll remember that the next time I'm flying my car through a warzone, don't compare eve to RL, eve is a game, RL is a joke, subtle differences.
Plus why should I get penalised if someone shot my ship, a gank squad can take down a T2 ship quite easily if they want to, and short of spamming the D-Scan button like a paranoid android, you take the risk that hopefully your tank will protect you against a normal gank and hope they don't come with anything bigger.
I never bother insuring T2 ships, the payout isn't worth it, and while I'm in empire and not so likely (crosses fingers) to lose ships, I don't bother with insurance at all.
The only change I would like to see with insurance is an optional top-up policy for stuff like cargo or modules, on T1 ships it's quite often that the value of the modules is more than the hull, and they're never covered, so it'd be nice to be able to purchase a seperate policy to cover such things, same with a freighter, I know - don't carry more than 7-8 hundred million in your cargo etc, and I don't. But since freighters only defence when caught is their HP (granted there is plenty of it generally) then the ability to purchase 'contents insurance' would be nice.
It could come with certain conditions, "This policy will not payout if the claim is made under the following conditions."
- Ship in less than 0.5
- Ship not on Autopilot
- Corp not under wardec
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