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Emma Royd Maddled Gommerils 219	Posted - 2013.04.07 09:12:00 - [31] - 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
Aquila Shadow Midnight Security Consulting 136	Posted - 2013.04.07 10:20:00 - [32] - Quote Insurance is a scam, don't fall for it. -á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á-á "Let Vigilance Be Your Sword"
Ace Uoweme Republic Military School Minmatar Republic 99	Posted - 2013.04.07 13:10:00 - [33] - Quote Lord Zim wrote: If you can manage to remember so far back as august or thereabouts, you'll remember that CCP did some major changes to the minerals consumed for building a single barge. I mean, honestly... Imagine why... Emma Royd wrote: 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. The only reason the content insurance is separate is due to how much of a policy you're willing to buy (especially additional riders), it's not excluded. If the house has a mortgage, the bank will require a mininum insured value, too (mortgage lenders want to ensure their property could be rebuilt in event of damage). Emma Royd wrote: 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. Remember, your car in EvE is a ship, silly rabbit. ;) EvE is a game that costs money, which in turn causes some to believe it to be RL investment (as they certainly judge it as so, otherwise they really wouldn't care). "In a world of universal deceit, telling the truth is a revolutionary act." ~George Orwell
Tippia Sunshine and Lollipops 13491	Posted - 2013.04.07 13:17:00 - [34] - Quote Ace Uoweme wrote: Lord Zim wrote: If you can manage to remember so far back as august or thereabouts, you'll remember that CCP did some major changes to the minerals consumed for building a single barge. I mean, honestly... Imagine why... There's no need to imagine since we know the facts. They changed the mineral content to remove the faux-progression between the different hulls, and to make them different in function rather than price and ability. Vote Malcanis for CSM8.
Krixtal Icefluxor INLAND EMPIRE Galactic 4050	Posted - 2013.04.07 13:30:00 - [35] - Quote Blame those back in the day who used to self-destruct for cash payouts. CCP had the only insurance policies in the world that paid out for suicide, and the ship you lost for destroying someone else in high sec. There is much to be said in favour of modern journalism. By giving us the opinions of the uneducated, it keeps us in touch with the ignorance of the community.-á-á-á-á - Oscar Wilde
Jabu Smith Ast Bandit Holdings 0	Posted - 2013.05.10 08:43:00 - [36] - Quote then why dont they bring full payouts back, unless under those conditions? if you attack another person in high sec and lose your ship. tough. if you decide you need some cash and instead of selling your ship decide to blow it well then you should suffer the consequences. I like the idea of full coverage for my ships and modules. I for one would feel a whole lot better about going into low or null sec as im more of a casual player and while I can make a lot of isk/hr. I dont actually have that many spare hours to play. so what I'm saying is, buy and fit a maelstrom end up spending 800mill. lose it in a legitimate battle and booom you get around half, if you're lucky back on that. to make matters worse, you lose a lovely shiny Mach (yes I have) and you're 2 bill out of pocket. you get a pittiful payout! I personally think it would encourage pvp big time. just saying. Edited to say, it would encourage PvP among more casual players. (my opinion)
Roime Shiva Furnace 2738	Posted - 2013.05.10 08:46:00 - [37] - Quote Remove insurance, solved -á- All I really wanted was to build a castle among the stars -
Sipphakta en Gravonere 4S Corporation RAZOR Alliance 83	Posted - 2013.05.10 08:54:00 - [38] - Quote Jabu Smith wrote: Edited to say, it would encourage PvP among more casual players. (my opinion) It would remove any and all consequence to pvp. If that is what you want: http://www.hellokittyonline.com/ I wish I were a cat. That way, I could kill things and people would applaud - instead of screaming out "OH GOD NO, NOT MY DAUGHTER!"
Jabu Smith Ast Bandit Holdings 0	Posted - 2013.05.10 09:03:00 - [39] - Quote haha nice, yes however the risk is just too high for a casual player like myself. meh, I guess casual players tend to stay in high sec for that reason :)
Avalon Champion Aliastra Gallente Federation 14	Posted - 2013.05.10 09:11:00 - [40] - Quote Didnt someone a few years back try to create an IPO for T2 Ship insurance in line with the way Personal Line Insurance worked.
Sipphakta en Gravonere 4S Corporation RAZOR Alliance 83	Posted - 2013.05.10 09:16:00 - [41] - Quote Jabu Smith wrote: haha nice, yes however the risk is just too high for a casual player like myself. meh, I guess casual players tend to stay in high sec for that reason :) What does "casual" mean btw? Only 2 hours playtime per week? Then setup a nice PI planet, easy 130M/month in highsec for minimal work. That's enough for some frigate/cruiser pvp. Or buy a GTC, convert to PLEX and have 1 Bill for PvP. When you only have a few hours per month to play that should last a while. I wish I were a cat. That way, I could kill things and people would applaud - instead of screaming out "OH GOD NO, NOT MY DAUGHTER!"
Domanique Altares Rifterlings Point Blank Alliance 24	Posted - 2013.05.10 09:18:00 - [42] - Quote ITT: OP confuses player-driven market forces with NPC insurance calculations.
Jabu Smith Ast Bandit Holdings 0	Posted - 2013.05.10 09:19:00 - [43] - Quote well I'm reckoning on around 8 hours a week. thats pretty much the max.
Sipphakta en Gravonere 4S Corporation RAZOR Alliance 83	Posted - 2013.05.10 09:21:00 - [44] - Quote Jabu Smith wrote: well I'm reckoning on around 8 hours a week. thats pretty much the max. Then you should look into doing PI. http://warpto0.blogspot.de/search/label/Planetary%20Interaction has the story of a player doing HS PI. The income is more than enough to support PvP. I wish I were a cat. That way, I could kill things and people would applaud - instead of screaming out "OH GOD NO, NOT MY DAUGHTER!"
Jabu Smith Ast Bandit Holdings 0	Posted - 2013.05.10 09:24:00 - [45] - Quote I'll look into that thank you :)
Taria Katelo South West Trading 23	Posted - 2013.05.10 09:34:00 - [46] - Quote first thing: Insurance for t2 ships was always ** and the insurance was always based on just the mineral cost. (though back then the insurance was a fixed amoint and because of that actually fixed the mineral prices at a certain level because at lower mineral prices you were able to build a ship with them, insure it, blow it up/selfdestruct and the insurance would pay more than if you had sold the minerals on the market) Now the insurance amount is recalculated every now and then, which makes sure the mineral prices arent determined by the insurance. second thing: if tech prices and research were factored into the insurance it would have been really easy for OTEC to just manipulate the insurance and make even more money out of it. They could have just stopped supplying any tech into the market and just used it to build a TON of t2 ships. The price for tech would have skyrocketed even more, so would have the tech2 ships prices. then when they were high enough they would have just destroyed the tech2 ships they build and made a ** ton of money wtih the insurance. And that would have pretty much killed the economy. obviously tech2 ships would be way to expensive and furthermore the insurance payout would have been a huge isk faucet, injecting a lot of isk into the economy. So stop arguing for factoring in everything into t2 ship insurance and then even using the goons as a reason to do it. Your arguments are absolutely bullshit. Besides, T2 ships are ment to give a small benefit for a much bigger loss. CCP doesn't want that you get all your money back from t2 ships. and thats why tech and research isnt factored in.
MetalStorm Davidson Cobra Kai Dojo WHY so Seri0Us 0	Posted - 2013.05.11 06:39:00 - [47] - Quote I think all insurance should be removed. Great isk sink and not needed. If you lose a ship buy a new one. If you can't then it was more than you could afford to fly so you shouldn't fly it.
ShahFluffers Ice Fire Warriors Late Night Alliance 2422	Posted - 2013.05.11 08:45:00 - [48] - Quote Ace Uoweme wrote: One look at EvE's history will tell you the truth. Indeed it does. Keep watching and you'll see a chart showing the prices for moon goo since early 2004 to now. Prices are actually DOWN. edit: as a bonus... the DEV also explains that the "inflation issue" that so many complain about is nothing more than a myth. Ace Uoweme wrote: 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). And there is a problem with this... why? Change isn't bad, but it isn't always good. Sometimes, the oldest and most simple of things can be the most elegant and effective.

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