At least those 38 mil will pay for a Retriever.

Don't need the wardec, you've got a killright.

Insurance covers the cost of the minerals in your ship. A mackinaw's mineral content is a small fraction of the cost, hence the smaller payout. Deal with it, it's by design.

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.

Blobs shouldn't be rewarded for using tech 1 cheap ships. It defeats the reason to skill up. They need to feel what everyone else feels when their 200+mil ship is destroyed.

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 don't insure anything cheaper than a battlecruiser anyway. This'll only impact smaller-gang players; big alliances will just use ship reimbursement schemes.

...Words right out of babes mouths...

And yet another loophole to plug. Because in reality, you can't drive without insurance (CCP never adjusted the insurance to meet reality).

I'm all for making EvE a difficult game, with all the issues and consequences faced in RL.

Adult game = adult rules.

The reason the insurance payout is so low is because

CCP needs to reevaluate the insurance payout, as most of the ships don't factor the basic mineral costs in the first place -- and players can't do anything if it's empty (as often the rigs/modules/weapons can cost more than the ship itself).

One method of changing it is basing the payout based on how RL auto insurance operates.

Oh, and insurance prices are already market-driven so if someone drove the prices up, the payouts would go up too.

One look at EvE's history will tell you the truth.

Been eating the tin foil, Tippia? I hear it can cause Alzheimers.

One look at EvE's history will tell you the truth. So do a roach dance all you want, but the truth is the truth about powerblocks trying to control resources, and profiting from it (like destroying T2 mining ships to force people to buy mats from what they own; or now T3 dependent mats).

Indeed it will:

GÇ£Ship insurance will now revalue itself periodically based on a trimmed mean of the ship's manufacturing materials global market weighted average prices. For more info, see The Circle of Life dev blog by CCP Chronotis.GÇ¥

So no. Goons (or any other powerblock you're tinfoiling about) have SFA to do with the insurance you get from T2. The change you're asking for has already happened.

After the combined forces of OTEC (CFC, Pandemic Legion and NCDOT) collectively repelled a strike into PL Tech holdings by Against ALL Authorities and assorted southern forces with relative ease, it was decided that Hulkageddon (an event centered around the suicide ganking of Hulks) would go from a prize-based annual event organized by an assortment of suicide gank-loving volunteers to a permanent state of affairs with salaried rewards sorted by programs parsing through automatically generated killmail data. The motives for this were twofold: 1) the heavy amount of Technetium needed to build Hulks meant increased Hulk 'turnover' would send Tech prices through the roof and 2) the sheer infamy from doing such a thing.

By making the act of sucide ganking mining ships directly profitable with no coordination needed, Highsec space became an open hunting ground as hundreds of unaffiliated highsec pirates roamed the belts and jumpgates in disposable, high-damage ships looking for any mining vessel to put in their crosshairs. 'Hulkageddon Infinity', funded by Technetium profits, was by far the largest and most devastating event of its kind in New Eden history, as galactic mineral output as a whole took a massive drop as miners were simply too scared to mine.

As the saying goes: follow the money.

In EvE, follow the money and special interests who's "concern" is to protect both.

The Tech Cartel is irrelevant to the subject at hand because Tech is not included in the insurance payout calculation.

The motives for this were twofold: 1) the heavy amount of Technetium needed to build Hulks meant increased Hulk 'turnover' would send Tech prices through the roof

Which is THE problem.

The game has been broken on this for years. It's about time for insurance to reflect reality.

Which is THE problem.

And we're right back too...



The game has been broken on this for years. It's about time for insurance to reflect reality.

The reason the insurance payout is so low is because what the Goonies did

Indeed it will:

GÇ£Ship insurance will now revalue itself periodically based on a trimmed mean of the ship's manufacturing materials global market weighted average prices. For more info, see The Circle of Life dev blog by CCP Chronotis.GÇ¥

So no. Goons (or any other powerblock you're tinfoiling about) have SFA to do with the insurance you get from T2. The change you're asking for has already happened.

In fact, I believe this change helped to decrease the ship prices because it reduced the point where buying the ship hull, insuring it and blowing it up was profitable.

Retrievers want a talk with you about being cheaper.