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Sirmorte
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Posted - 2003.09.03 20:17:00 -
[1]
Someone noted that ship insurance only last one week, which would be rediculous at those rates. Is this true?
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Singular
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Posted - 2003.09.03 20:19:00 -
[2]
Unfortunately yes....I would imagine they would overhaul it eventually, as it isnt a very good system right now.
Im Yo Huckleberreh |
Veruna Caseti
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Posted - 2003.09.03 20:47:00 -
[3]
 Quote:
which would be rediculous at those rates.
If insurance rates are "ridiculous" to you, then you shouldn't be piloting the ship you're in.
It's been said time and time again - don't fly a ship you can't afford to insure and/or replace.
Veruna Caseti
Ishukone |
Taurar
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Posted - 2003.09.03 21:29:00 -
[4]
the reason the monthly premiums on insurance in real life is not nearly as high as the cost/worth of the item is because you cant keep killing yourself to collect on the policy now can you 
however ingame if the policies mimicked real life then anyone could just keep doing themselves in and collecting bigtime
Malachlite incognito |
zoop
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Posted - 2003.09.03 21:41:00 -
[5]
Quote:
Quote:
which would be rediculous at those rates.
If insurance rates are "ridiculous" to you, then you shouldn't be piloting the ship you're in.
It's been said time and time again - don't fly a ship you can't afford to insure and/or replace.
idiot
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*My God, it's full of gimps*
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Jarjar
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Posted - 2003.09.03 21:44:00 -
[6]
Edited by: Jarjar on 03/09/2003 21:45:21
Basic insurance is fine. If you can't afford 370-400k/week in a cruiser or 4-5M/week with a battleship, as he said, you shouldn't be piloting it.
The better insurance options however, are ridiculous. At least some of them.
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Veruna Caseti
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Posted - 2003.09.03 21:46:00 -
[7]
Quote:
idiot
Brilliant. It's refreshing to see someone able to voice disagreement in such an articulate manner. I spent a lot of time considering your point, but I'm afraid I'm forced to disagree. Not for lack of trying however! You do present a convincing case, I'll give you that!
Veruna Caseti
Ishukone |
Arathmon
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Posted - 2003.09.03 21:55:00 -
[8]
I've been in a battleship for over a month (first armageddon then apoc) and I haven't paid a dime for insurance. Being careful is the best thing you can do. If it is currently very laggy ingame, do not do pvp. If known pirates have been spotted in the neighborhood, watch where you step and have a good escape plan. I've not yet lost an irreplaceable ship since I always err on the side of caution.
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I used to be in the FA. I like cookies. Eve Radio is teh pwn. |
Skelator
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Posted - 2003.09.03 23:52:00 -
[9]
Quote:
the reason the monthly premiums on insurance in real life is not nearly as high as the cost/worth of the item is because you cant keep killing yourself to collect on the policy now can you
however ingame if the policies mimicked real life then anyone could just keep doing themselves in and collecting bigtime
If they would just model it after Real Insurance it would work.
Just start the rates low and the more a person dies or loses the ship he's piloting the higher the rate each time.... Maybe 25% higher up to a Capped Limit.
They have us Surrounded again.. the Poor Bastards |
Cruise
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Posted - 2003.09.04 00:00:00 -
[10]
Technically if you collected on an insurance policy, backed by the same underwriter, and then proceeded to do so again and again, not only would your rates skyrocket, you'd eventually be denied insurance coverage.
Considering there's only one 'insurance' handler in the game, raising the rates from something reasonable to cancelling them access to insurance would work. Especially if they WERE scamming the system for isk.
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Catapultam habeo. Nisi pecuniam omnem mihi dabis ad capul tuum saxum immane mittam.
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Master Scy
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Posted - 2003.09.04 00:11:00 -
[11]
Edited by: Master Scy on 04/09/2003 00:12:00
Quote:
Quote:
which would be rediculous at those rates.
If insurance rates are "ridiculous" to you, then you shouldn't be piloting the ship you're in.
It's been said time and time again - don't fly a ship you can't afford to insure and/or replace.
What about the poor guy that buys a cruiser and that only plays 5 hours a week and mines in empire space? Either he works only for his insurance, or he doesn't get insurance period...
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You think Marco Polo said
"Damn Mongolians were camping that cave entry into the next valley the entire day, you can't get friggin anywhere in the world with those damn griefer tribes all over the place" ?
-Indigo Seqi
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Kerago
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Posted - 2003.09.04 04:47:00 -
[12]
We already have a situation where most of the large pvp groups insure their battleships, intentionally risk them and then either lose them fighting or intentionally and recover almost all, if not more than, the build costs. This is a screwy ass system. Losing something as big as a battleship should cause more than a half hour refitting inconvenience.
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Ya Hya Chouhada, Long live the fighters. |
Foomanshoe
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Posted - 2003.09.04 04:54:00 -
[13]
Quote:
Quote:
idiot
Brilliant. It's refreshing to see someone able to voice disagreement in such an articulate manner. I spent a lot of time considering your point, but I'm afraid I'm forced to disagree. Not for lack of trying however! You do present a convincing case, I'll give you that!
Insurance of 33 mil for a 60 mil pay-out every week is alittle stupid unless your really bad at pvp and plan on losing your ship within 2 weeks. For those of us who dont suck, but dont want to risk the CTD of doom, insurance prices are a stupidly high. It would be alot better for the insurance to last 1 month, still not exploitable (unless you can make ships really, really, really cheap, which i dont think anyone can enough to pull a profit) and us casual gamers dont have to blow all our cash.
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Noctoz
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Posted - 2003.09.04 05:43:00 -
[14]
Simply sollution to problem.
Make insurance last until you loose your ship.
This way it will only be really expensive if you die a lot and it can't be abused any more than the current system can.
The current system is kind of crap as it's cheaper to buy another ship unless you die every third week or so which most people don't.
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NoctoZ
Black Reign
Curse Alliance |
Amicus
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Posted - 2003.09.04 06:08:00 -
[15]
Best insurance under current system is keeping a bank account balance with enough isk to replace your ship.
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Meau
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Posted - 2003.09.04 07:58:00 -
[16]
My solution to the problem:
Lower insurance period to 3-4 days, but only count online hours.
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redOctober
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Posted - 2003.09.04 08:02:00 -
[17]
good when it works
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Mustard
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Posted - 2003.09.04 08:20:00 -
[18]
Quote:
Edited by: Master Scy on 04/09/2003 00:12:00
Quote:
Quote:
which would be rediculous at those rates.
If insurance rates are "ridiculous" to you, then you shouldn't be piloting the ship you're in.
It's been said time and time again - don't fly a ship you can't afford to insure and/or replace.
What about the poor guy that buys a cruiser and that only plays 5 hours a week and mines in empire space? Either he works only for his insurance, or he doesn't get insurance period...
Well put. I am in this particular portion of the EVE population and think the insurence needs a HUGE overhaul. Either lengthen the periods to 30 days (not really that great but...) or maybe have a system similar to the clone system. This would reduce devasting loses to those of us that don't have millions upon millions or a huge corp that can replace a prized cruiser. Spend all that time and lose it in 5 seconds is very frustrating.
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Veruna Caseti
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Posted - 2003.09.04 11:47:00 -
[19]
Edited by: Veruna Caseti on 04/09/2003 11:48:58
Quote:
What about the poor guy that buys a cruiser and that only plays 5 hours a week and mines in empire space? Either he works only for his insurance, or he doesn't get insurance period...
Well, I hate to say it but you're out of luck in this situation.
Online games are dynamic and persistent. One of the features they often include is "maintenance costs." These costs are kept to a minimum to ensure that they are not overwhelming, but can't be eliminated altogether as they provide a vital part of the in-game economy.
If you can't spare enough time each week to scrape together these paltry minimum maintenance fees, then I would suggest joining a corporation or group of players willing to assist you. If you can't do this, then perhaps you should reconsider online gaming and go to something that doesn't require an investment of time which you obviously do not have to invest.
Veruna Caseti
Ishukone |
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