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Eltigre
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Posted - 2003.11.30 20:04:00 -
[1]
Ship Insurance is a nice feature but the price is way too high... about 25 mil isk to insure a Scorpion that's worth what 50-60 mil isk... that amounts to having to spend 8 mil isk per week for the 3 weeks duration for the insurance.
How about CCP makes this ship insurance thing more like car insurance where it's possible to buy enough insurance to cover a ship for say 12 months or at least longer than 3 weeks with a premium cost of say 5 mil isk per month with payouts like they are now spread across the level of insurance you'd want to buy. It's kinda insane to have to spend more than 10% of the value of a ship every 3 weeks just to have top-level insurance - if insurance cost this much in the real world nobody would want to buy insurance.
Also CCP should offer insurance on other items too like equipment fitted to a ship. It really blows to have a lot of nice equipment fitted to a ship then the ship goes kaboom and the insurance pays off less than the total cost of the ship. It would make far more sense to allow people to buy whatever level of insurance they wish to cover the value of the items they wish to risk rather than being constrained to only get insurance worth whatever level the game allows. I mean a Bestower fitted with some nice cargo expanders is worth way more than the top-level insurance pays off.
Implant Insurance should be allowed too... okies so the current implants are kinda worthless since they only raise the learning skills by 40% or so but it would be nice to be able to buy enough insurance to get those implants replaced as long as the insurance didn't cost on the order of 6% of the pay out value per month.
Another idea that might prove more profitable for CCP would be to offer 100% insurance on everything a player owns for all alts that features no additional need to pay isk for insurance - kinda like you pay an additional $5.00 per month to play the game then you never have to buy another insurance policy again. I bet more people would pay the extra auto-insurance monthly fee just to get automatic insurance coverage for everything owned.
And don't be flaming me with how much people would abuse this sort of thing either... right now there are probably people making hundreds of millions on ship insurance just by losing ships. If I had more ambition in EVE or there was some god-awfully compelling reason to risk life and limb that might pay-off really huge to get it I might be tempted to mine for isk enough to pay the insurance premiums on my BS then be sure to lose the silly thing at least once a month just to collect the money. Just about every time I have checked around for BS replacement costs the premium top-level insurance paid off the complete loss minus around 6 mil isk - having to pay out 6 mil isk to get a new BS is nothing that 3 hrs of mining wouldn't cure. In some cases ship insurance pays for more than the cost of a new ship plus the insurance.
Come on CCP - give us a better insurance system !
SWEET routinely sells BPC's in Sing Laison and Essence Regions. |
Joshua Calvert
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Posted - 2003.11.30 20:05:00 -
[2]
I'm so telling dalman about this.
LEEEEERRRRRRRRRRROOOOOOOOOYYYYYYYYYYYYYYY! |
Jash Illian
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Posted - 2003.11.30 20:23:00 -
[3]
Edited by: Jash Illian on 30/11/2003 20:23:06 Sorry...no significant comments.
My brain fled in terror of such 'ideas'.
I mean its like you want corporations to oblige each other like its sex or something. Pffft I would rather **** my enemy.- Rohann
Be careful out there. That other guy waiting in the queue for the gate MIGHT be a baby-munching frock-burner, YOU JUST DON'T KNOW!- Lallante |
MSDborris
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Posted - 2003.11.30 20:30:00 -
[4]
for a start when NPC made battle ships they were being sold at 150-200mill each ( 4-6 month ago ) so 10-30 mill for insureance is 5% - 25%
Ships now are made by humans hence 40-90 mill for a bs which would of cost 200mill from npc
***** " MSDborris, " Baka!, Hentia! "
***** |
dalman
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Posted - 2003.11.30 20:59:00 -
[5]
Quote: I'm so telling dalman about this.
Actually, I wouldn't mind changing the insurance period. Actually, I wouldn't mind if the insurance lasted forever until the ship was destroyed. AS LONG AS OTHER CHANGES ARE MADE. Ie, my proposal, that the ammount payed out is multiplied with the sec rating in the system. And also, that the multiplier is 0 if involved parties include either of Concord, corpmates or someone you're in formal war with. Ie, NO insurance AT ALL is payed out if the ship is lossed in 0.0 space, to concord by acts of piracy, to someone you are in war with, or to a corpmate to commit a insurance scam.
On the point of insurance for modules and implants. If I fit a 1vs1 setup on my ship, ship+modules+implants are worth about 250M isk. So, yea, I'd like to have that insured. BUT I also realize it's impossible to set values for all modules ingame. Hence insurance must be restricted to ships. And the insurance system for ships must be changed.
M.I.A. since 2004-07-30 |
FileCop AI
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Posted - 2003.11.30 21:33:00 -
[6]
Edited by: FileCop AI on 30/11/2003 21:36:16 Dalman, stop "whining" about that all the time. You don't have time to play at the moment, do you? But still you want to make insurance worthless for yourself, as you are always in 0.0 systems? Guess you like to fly around in a noob ship, huh?
And what is the meaning of insurance the way you write? Can't you see through it? How many times do you think you would get insurance? About 5% of the time? All the big alliances fight in 0.0 space, so no insurance for them. Yet another alliance nerf. And with the way you describe, the ONLY way to get insurance, is if you are killed by a pirate camping 0.4 space or below. Meaning you will never get more than 40% of the insurance payout... Now that's just plain stupid in my opinion ;)
FileCop AI of MASS Co-CEO |
Baldour Ngarr
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Posted - 2003.11.30 21:37:00 -
[7]
Quote: It's kinda insane to have to spend more than 10% of the value of a ship every 3 weeks just to have top-level insurance - if insurance cost this much in the real world nobody would want to buy insurance.
If people spent so much of their time taking their cars into a completely lawless area, knowing full well, in advance, that there were other people out there who specialised in destroying cars .. .well, car insurance would be a hell of a lot more than 25% of the value of the vehicle for three weeks. If you could get it at all, from anywhere, which I seriously doubt.
While ever insurance covers you in all systems, 0.0 included, the price is far too *cheap*.
_______ "Soon" is an ancient Icelandic word meaning "some time before the next Ice Age." |
Eurydike
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Posted - 2003.11.30 21:39:00 -
[8]
You forgot to exclude payment after self destruction, dalman. :)
You know, I think a player-run insurance company would really be the best thing of all - especially for items like implants. They would try to rip you of as often as they can, and you would try to rip them of as often as you can.
Unfortunately it would mean a heck of a lot of work (setting up contracts, investigations after the loss of an item etc.), and I think the only person and/or corp with enough money to back up such an insurance company would be Stavros or the old TTi... and that'd be like deciding wether to deal with the Devil or... the other Devil. -------------------------------------- Sarela "Eurydike" Taris
Vote Stavros for Kojak's brother. |
Skillz
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Posted - 2003.11.30 21:53:00 -
[9]
Abolish insurances all together. Curb inflation this year, please.
Keep on flaming, lamers.
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kurg
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Posted - 2003.11.30 22:47:00 -
[10]
Actually I want to go in the opposite direction, insurance pays too much, or rather it should be tiered. If you get killed by a random attack you should get you money back, if you are the agressor you shouldnt.
etc. also insurace could look at your 'history' if you allready lost 3 BS's then any normal insurace corp would either tell you to go away or charge you a bucket.
Its all risk/reward. The insurace corp will want to earn money. The current system where ppl that want a new ship just go and selfdestruct or engange sentryguns is nuts!
even the paranoid has real enemies...
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MOOstradamus
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Posted - 2003.11.30 23:12:00 -
[11]
Edited by: MOOstradamus on 30/11/2003 23:14:07
Terrible thread.
MOOrovingian "Following & supporting EVE (since Jan 2001) is like wiping your arse with sandpaper."
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Joshua Calvert
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Posted - 2003.11.30 23:14:00 -
[12]
Just make the insurance payout a maximum of 50% of the cost of the ship at average NPC prices for minerals.
Trit = 1 Pyr = 4 Iso = 58 etc etc.
It lessens the effects of losing a ship and leaves absolutely no room for making a profit from your demise.
LEEEEERRRRRRRRRRROOOOOOOOOYYYYYYYYYYYYYYY! |
Miri Tirzan
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Posted - 2003.12.01 00:09:00 -
[13]
Quote: for a start when NPC made battle ships they were being sold at 150-200mill each ( 4-6 month ago ) so 10-30 mill for insureance is 5% - 25%
Ships now are made by humans hence 40-90 mill for a bs which would of cost 200mill from npc
When did NPC's sell anything above level 1 & 2 frigates and level 1 cruisers? Only thing I have seen sold above this is the BPs for better ships. What happened to ships happened to everything else in the game. I was selling basic carge expanders for 8k each in LoneTrek because I knew where to find them and started building them early. It worked that way with everything else that I manufactured, but I have never seen NPCs sell good ships since retail.
svetlana - "whining gets you stuff. that is why humans got to the top of the food chain and all the other animals got nerfed."
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Miri Tirzan
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Posted - 2003.12.01 00:12:00 -
[14]
Quote: Just make the insurance payout a maximum of 50% of the cost of the ship at average NPC prices for minerals.
Trit = 1 Pyr = 4 Iso = 58 etc etc.
It lessens the effects of losing a ship and leaves absolutely no room for making a profit from your demise.
Why not just have it replace your ship... the better the insurance, the better the condition of the replacement. THe worse the insurance, the more damaged the ship is when you get it. That way you will get a ship back but you will have to pay to repair it unless you have the really good insurance.
svetlana - "whining gets you stuff. that is why humans got to the top of the food chain and all the other animals got nerfed."
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Sylia Masters
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Posted - 2003.12.01 02:45:00 -
[15]
But a small hull repairer, and a small armorrepairer will fix that up for you for 'free'.
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Raven DeBlade
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Posted - 2003.12.01 03:12:00 -
[16]
Its better you get the same shp back (same type) than isk, then its no idea for people to do scams etc, since they just get a ship back
"To hunt pirates you need time and patience, because even monkeys fall from the trees"
"Any statements made above this line are my persona" |
StealthNet
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Posted - 2003.12.01 03:14:00 -
[17]
Quote: Its better you get the same shp back (same type) than isk, then its no idea for people to do scams etc, since they just get a ship back
I suggested it months ago, but someone said it could be exploited... does ne1 know how ?
Insure your ship, blow it up, get a new-exactly-the-same one back. _______________________________________________
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Pann
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Posted - 2003.12.01 03:53:00 -
[18]
Moved from General Discussion.
Eve Community Manager [email protected] CCP |
xeno calligan
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Posted - 2003.12.01 05:32:00 -
[19]
Edited by: xeno calligan on 01/12/2003 06:10:21
I very much agree with Dalmans suggestions.
If we want any kind of realism here, insurance companies are supposed make isk and not loose them. The current system is a charity affair handing out donations left and right and it's completely ridiculous.
At the very least, the insurance should under no circumstances be paied if you self-destruct, get podded by an "ally" or by a corp you're at war with.
A simple suggestion: introduce an insurance ranking for each player that goes down when you cash in on the insurance and slowly up as time passes without incident (just like many insurance corps in LR). The rating would be used to determine how much should be paid in the event of a ship loss. Thus ppl who currently "exploit" the system, would quickly find that loosing ships often is bad for business and ppl who know how to take care of themselves get the benefit of a solid insurance.
It would be even nicer if the loss/gain rate of the insurance ratings were adjusted s.t. an insurance corp would pay using only the current ballance of premiums -- i.e. no isk would magically appear to be paied when someone looses a ship.
Imagine if players could run insurance companies; They would lay down a set of rules that decide in which cases the insurance should be paid. The actual payment would be completely automatic so the corp can't deny paying their clients once a contract has been signed. Access to the corp account would also be restricted s.t. the corp always can pay for all the active contracts. The job of the insurance agents (members of the corp) would be to gather information about their clients to assess their insurance ranking for future contracts (a contract would end once the period is up or the ship is destroyed). If players control the insurance companies, it would also be possible to insure anything (including rare modules and implants), without a major danger for absurd exploits (premiums too low => the insurance corp goes broke! premiums too high => no-one signs contracts with you).
Edit: Wait a minute! Did I just suggest adding insurance agents to EVE?!?
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hellwarrior
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Posted - 2003.12.01 16:29:00 -
[20]
Quote:
Implant Insurance should be allowed too... okies so the current implants are kinda worthless since they only raise the learning skills by 40% or so but it would be nice to be able to buy enough insurance to get those implants replaced as long as the insurance didn't cost on the order of 6% of the pay out value per month.
Ya know what? Your worthless =] If i'm training a 10 day skill, and i have 40% off i'm doing a dance cause that lets me start my other 10day now reduced to 6 day skill. Also if 3 is 40% of that skill you needa train your learning skills lololol :)
I had a 17day skill and i only got like... 25% time reduction and i have fairly high attributes for the skill (14/16).
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