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Notnearly OnEnough
Minmatar
JumpDrive Inc
Electus Matari
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Posted - 2006.11.19 19:34:00 -
[1]
Edited by: Notnearly OnEnough on 19/11/2006 19:34:34
I wonder how it is, that a pirate is able to get insurance for their ships. When it is them who cause the losses paid out by the insurance companies?
Perhaps this is something that others have thought about. Wouldn't it be humbling if pirates could work into a status of non-insurable due to there actions?
Some way that it could work in a similar fashion to the -sec status prevents travel into safer systems?
Just wondering other player thoughts on this
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Xendie
Forsaken Empire
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Posted - 2006.11.19 19:42:00 -
[2]
why doesnt lets say the amarr navy shoot miners who touch their ore?
that would be a good addition to the game.
 Quote:
Nertzius > having fun being incompetitent?
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Marcus TheMartin
Gallente
CURSED LEGION OF DOOM
Pirate Coalition
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Posted - 2006.11.19 19:43:00 -
[3]
Originally by: Notnearly OnEnough
Edited by: Notnearly OnEnough on 19/11/2006 19:34:34
I wonder how it is, that a pirate is able to get insurance for their ships. When it is them who cause the losses paid out by the insurance companies?
Perhaps this is something that others have thought about. Wouldn't it be humbling if pirates could work into a status of non-insurable due to there actions?
Some way that it could work in a similar fashion to the -sec status prevents travel into safer systems?
Just wondering other player thoughts on this
You guys are getting warp to 0 be happy
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Sakura Nihil
Tabula Rasa Systems
The Star Fraction
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Posted - 2006.11.19 20:12:00 -
[4]
Originally by: Xendie
why doesnt lets say the amarr navy shoot miners who touch their ore?
that would be a good addition to the game.
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infraX
Caldari
Finite Horizon
The Red Skull
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Posted - 2006.11.19 20:17:00 -
[5]
Edited by: infraX on 19/11/2006 20:18:37
The same way that people with a criminal record can get car insurance in real life? The insurance company is providing a service, they are not the law, why should they care?
Oh and just to add - pirates add fear to pod pilots so that they insure their ships. This makes insurance companies very happy 
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Notnearly OnEnough
Minmatar
JumpDrive Inc
Electus Matari
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Posted - 2006.11.19 20:51:00 -
[6]
Originally by: infraX
Edited by: infraX on 19/11/2006 20:18:37
The same way that people with a criminal record can get car insurance in real life? The insurance company is providing a service, they are not the law, why should they care?
Oh and just to add - pirates add fear to pod pilots so that they insure their ships. This makes insurance companies very happy
Not exactly the same. Criminals can drive, sure. no problem it's not the driving, it's the "what's being done while driving"
The criminal activity isn't insured, the insurance company only cares about the loss, and the repeated "how or why" and once the relationship is established they will disassociate themselves from that situation.
It's would be Analogous to an insurance company paying a fire department to save houses from fire, but the firemen keep starting fires because they needed work. Eventually the insurance company wouldn't support the fire department anymore and create a private solution.
People with repeat insurance history of frauds pay either higher rates or are no longer insurable by the companies. This opens up the door to private insurance.
I would enjoy a situation where a pirate had to seek out a corp or alliance to insure their ships.
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Mi Lai
Sanguine Legion
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Posted - 2006.11.19 21:10:00 -
[7]
If you want to put it this way: why would any insurance company insure any warship? Makes no sense at all.
So let's take away al insurance except for Barges, Freighters and Industrials and make PVP even more sporadic as most people will be to scared to risk their ship unless in a garanteed win situation.
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Commander Thrawn
Tarnak inc.
Eternal Empire
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Posted - 2006.11.19 21:16:00 -
[8]
Edited by: Commander Thrawn on 19/11/2006 21:16:09
seems to me that pirates kill ships more then we loose them. i think this is a good investement for the insurance co.
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Devian 666
Snakes in a Pod
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Posted - 2006.11.19 21:20:00 -
[9]
Originally by: Notnearly OnEnough
Edited by: Notnearly OnEnough on 19/11/2006 19:34:34
I wonder how it is, that a pirate is able to get insurance for their ships. When it is them who cause the losses paid out by the insurance companies?
Perhaps this is something that others have thought about. Wouldn't it be humbling if pirates could work into a status of non-insurable due to there actions?
Some way that it could work in a similar fashion to the -sec status prevents travel into safer systems?
Just wondering other player thoughts on this
Why should insurance companies insure haulers in low sec space? Seems like a silly idea given that a combat ship is more likely to survive. 
Cool an orange sig |
Wilhelm Beck
Tritanium Workers Union
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Posted - 2006.11.19 21:21:00 -
[10]
Actually it would seem to me that as a pirate it would be much more profitable to insure pirates in low sec as opposed to haulers. Because, quite simply, pirates are the ones who win.
If they didn't no one would be scared of them. Admittedly, they are in combat more frequently. But if some guy came to me as an insurance agent and was like "i want to insure my mining barge, so i can ice mine in a .1". I would be an idiot to say yes. Where as a different guy came in to insure his tachygeddon for use in gate camping. my money would be on him, not the guy with the barge.
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Mi Lai
Sanguine Legion
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Posted - 2006.11.19 21:23:00 -
[11]
Originally by: Commander Thrawn
Edited by: Commander Thrawn on 19/11/2006 21:16:09
seems to me that pirates kill ships more then we loose them. i think this is a good investement for the insurance co.
Exactly! Pirates should get no-claim discount on their insurance contracts.
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Ikvar
Sharks With Frickin' Laser Beams
Mercenary Coalition
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Posted - 2006.11.19 22:56:00 -
[12]
Why does an insurance company insure combat ships at all? If it was 'realistic' you'd only be able to insure haulers and barges etc and you'd have your insurance voided if you ever went below 0.4, not to mention most people would have 0 no claims 
Originally by: Rekindle
I was in an empire system when they used their grief tactics to explode everything I own.
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Taedrin
Gallente
Mercatoris Technologies
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Posted - 2006.11.19 23:07:00 -
[13]
If we were being realistic, then it would cost more to insure your ship every time you lose one.
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Saint Schala
OctoberSnow Corp
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Posted - 2006.11.20 02:13:00 -
[14]
awooooga, awoooga, awooooga, reality check here this is a game folks. people get insurance so there more likley to risk thier ships in pvp so the game is more fun.
but if u want to put in in real life gaming terms then no ships in eve would ever be insured cos simply the insurance companys would go bust!!
i mean how many of u out there that have reason to insure a ship ever have to renew it? 99% of pilots would be an insurance risk.
i mean would ure car average insurance insure company ure car for damage if u were gonna do a destruction derby in it?
-----------------------------------------------
23453457 dont ya just hate not knowing the meaning behind a cryptic sig???? 34564556890 |
Kumu Honua
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Posted - 2006.11.20 02:40:00 -
[15]
Not only what other posters have said, but if insurance was tied to security status, the "Pirates" have far greater access to status repair than most "Carebears anyway."
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Lady Abaris
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Posted - 2006.11.20 14:47:00 -
[16]
Edited by: Lady Abaris on 20/11/2006 14:48:37
The OP's logic does have some merit when applied to ships killed by Concord as insurance payouts then are definitly questionable.
But how does he feel about the insurance payouts for terrorist/freedom fighters groups such as those engaged in the RP war between the Minmater and the Amarr. Surely here is a good example of groups who traditional insurance companies would avoid but have ample opportunity for ingame RP insurance companies to cover their losses.
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Akehno
VMF-214 Blacksheep
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Posted - 2006.11.20 15:30:00 -
[17]
Edited by: Akehno on 20/11/2006 15:32:20
Edited by: Akehno on 20/11/2006 15:31:25
Originally by: Notnearly OnEnough
Edited by: Notnearly OnEnough on 19/11/2006 19:34:34
I wonder how it is, that a pirate is able to get insurance for their ships. When it is them who cause the losses paid out by the insurance companies?
Perhaps this is something that others have thought about. Wouldn't it be humbling if pirates could work into a status of non-insurable due to there actions?
Some way that it could work in a similar fashion to the -sec status prevents travel into safer systems?
Just wondering other player thoughts on this
-> Carebear Spotted ^^
Ya man, you're right ... death to pirates :p
Anyway, if you pay the ransom your ship will be safe don't worry ...
- " Erff that thorax doesn't look like the others ...." / " Man, it's a Megathron ... -_-"
- " Hi sir , please wire me 10M for your ransom and you'll be free to go" / " You m***** f***** , b**** , |
Lanfear's Bane
Shih Yang Tong
Pirate Coalition
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Posted - 2006.11.20 16:37:00 -
[18]
Originally by: Notnearly OnEnough
Edited by: Notnearly OnEnough on 19/11/2006 19:34:34
I wonder how it is, that a pirate is able to get insurance for their ships. When it is them who cause the losses paid out by the insurance companies?
Perhaps this is something that others have thought about. Wouldn't it be humbling if pirates could work into a status of non-insurable due to there actions?
Some way that it could work in a similar fashion to the -sec status prevents travel into safer systems?
Just wondering other player thoughts on this
Pirates have a Crime and Punishment forum, I suggest a Hugs and Cerebearery forum for this sort of post.
Lanfear's Bane.
_ _ _
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tiller
Beer and Kebabs
Pirate Coalition
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Posted - 2006.11.20 16:50:00 -
[19]
Edited by: tiller on 20/11/2006 16:50:23
Originally by: infraX
Edited by: infraX on 19/11/2006 20:18:37
The same way that people with a criminal record can get car insurance in real life? The insurance company is providing a service, they are not the law, why should they care?
Oh and just to add - pirates add fear to pod pilots so that they insure their ships. This makes insurance companies very happy
I'm so evil I actually flash red in RL now and get ganked by heroes on the way to tescos
Click me for Pirate Coalition Website of Gankage |
kublai
Short Attention Span
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Posted - 2006.11.20 16:53:00 -
[20]
ehm, the older and more skilled/dangerous pirates are rich, rarely lose ships and rarely get much of a return on the ship insurance anyway.
I'm currently sitting in a ship worth 500-600mill...if i insure it I will get about 8mill or something back....eeeehm, yeah I sure am glad I get insurance!
But hey, my apoc will yield me like 100m on insurance!
Pity about that 300-400m fitting eh?
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Will Test'u
EVEternal Damnation E.S.T.
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Posted - 2006.11.20 17:13:00 -
[21]
Originally by: Xendie
why doesnt lets say the amarr navy shoot miners who touch their ore?
that would be a good addition to the game.
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Agent Li
Galactic Defence Consortium
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Posted - 2006.11.20 17:33:00 -
[22]
Originally by: infraX
Edited by: infraX on 19/11/2006 20:18:37
The same way that people with a criminal record can get car insurance in real life? The insurance company is providing a service, they are not the law, why should they care?
Oh and just to add - pirates add fear to pod pilots so that they insure their ships. This makes insurance companies very happy
In fact, if the insurance company worked like the ones in real life, they would want to see your loss record - and base your rates on that. So if you were constantly ganked for being unintelligent, and didn't know how to fight your ship well enough to stay in one piece, your rates would go through the roof.
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