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BlueSmok
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Posted - 2005.10.12 20:53:00 -
[1]
What I'm thinking of would be offering insurance to owners of tech2 ships. You pay me percentage value isk of ship and if you lose your tech2 ship within the agreed upon time I pay you full market value.
Biggest hurdle I foresee is there is no way to verify the ship was destroyed.. If CCP could add some tag ID to the ship/module that could be tracked via a "Insurance agent player" would could move out of the NPC insurance / Scam, era. And get to real insurance business. Any thoughts, Comments or death threats please post.
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*** If you're not flying with Hippies, you're not having FUN!! ***
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Aeaus
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Posted - 2005.10.13 00:03:00 -
[2]
Bad idea, HACs are generally used in PvP; and as such are lost fairly often. The insurance rates would need to be redicilously high to allow this.
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BlueSmok
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Posted - 2005.10.13 00:32:00 -
[3]
I suppose it could be view that way.. but the process wouldn't be entirely automatic. If I insure your HAC, lets say a ishtar value (guessing) 130Mill? for one month I'd like a deposit of maybe 30 mill isk. If you lose it one day after I offer the insurance I'd maybe suspect theft and require a greater amount of payment for the next ship insurance. Also conversely if you make it through the first month without a hitch I'd prolly let you renew for a discount. It's like gambling and I know there are several people out there that would leap at the chance to make isk for nothing.
I know it would take some effort and severe negotiations to make it work, but the alternative is asking CCP to code something to compensate for the player market payouts. This system could also be applied for modules if there was a sure way to track said modules..
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*** If you're not flying with Hippies, you're not having FUN!! ***
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Esrevatem Dlareme
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Posted - 2005.10.13 03:53:00 -
[4]
This is silly and you'd lose money. Car insurance works because most ppl don't go out looking for crashes.
In EVE, the purpose of a ship is to go out and blow someone/something up....or a good RL analogy is you're driving around looking for some place to have a good crash.
Insuring things that have an exceedingly higher and higher chance of being blown up the longer they are used is not a good idea. I have only just recently managed to keep a Megathron thru an entire 3 month insurace period. And all I do is run agent missions, imagine the loss rate for actual PvPers. 
______________________________________________
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dazzled by the shattered twilight,
I think back...
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Malthros Zenobia
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Posted - 2005.10.13 04:15:00 -
[5]
You'd go broke so fast it'd be insane.
Or you'd have scammed alot of people. 
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FalloutBoy
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Posted - 2005.10.13 08:34:00 -
[6]
lol if a pvp ship lasts a mounth I'm doing something wrong.
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Douglas McCracken
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Posted - 2005.10.13 11:15:00 -
[7]
I think player run insurence wouldnt work, why? because those who didnt want to lose their ships/money wouldnt bother with insurence, and those that didnt care about losing their ships or PvP'd alot would be the only ones insureing.
Basically the result would be the same, youd get no money from people who didnt lose their ships resulting in everyone making a claim sooner or later.
Basically you would go bankrupt in a week.
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without
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Posted - 2005.10.13 11:20:00 -
[8]
ud have to charge very clsoe to 100% of market value as 95% of ships are lsot within the the 3month? insurance period
or ud loose money so fast things would brea down
and why would someone pay 95mil insuracne to get 100mil back on ship destruction
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Lafiele
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Posted - 2005.10.13 11:48:00 -
[9]
IRL, the premiums from insurance is invested in zero risk bonds to make a bigger cushion.
SO you insure 10 HAC for 50 million each with a payout of 80 mil.
IRL, you would take that 500 000 000 and invest it at 5% so you would get 25 million interest income. The added interest will help defray a catastrophic loss like 10 HAC warping in on 3 BS equipped with 8 faction smart bombs!
Here, with no investment income, you have to use premiums for payout, which is a lose, lose situation.
The only other option is to have a monthly insurance premium, such as insure a HAC for 50 mil and 2 mil ISK a month. |
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