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Quutar
Caldari
Auraxian Irregulars
The Sundering
   |
Posted - 2007.08.29 17:37:00 -
[1]
the problem with cargo (or module) insurance is that it is not all destroyed
so lets consider this... you can now insure cargo...
you insure 1 billion worth of cargo for 300 million (30%)
"pirate" pops you takes 500 million worth of cargo (half gets destroyed)
you get 1 billion back (700 million after the "cost" of insurance)
you and pirate friend now have 1.2 billion value, where before you had 1 billion
...
the reason a ship can be insured is that when it goes pop... it is gone... someone else can't take the ship. Cargo and module insurance, if it were to work, could only apply to destroyed modules/cargo with out being out being abused... and at that point... how much do you insure... since it is possible that all might get popped, or just one or two modules?
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Quutar
Caldari
Auraxian Irregulars
The Sundering
|
Posted - 2007.08.29 18:39:00 -
[2]
 Originally by: Agent Li
Originally by: Quutar
the problem with cargo (or module) insurance is that it is not all destroyed
so lets consider this... you can now insure cargo...
you insure 1 billion worth of cargo for 300 million (30%)
"pirate" pops you takes 500 million worth of cargo (half gets destroyed)
you get 1 billion back (700 million after the "cost" of insurance)
you and pirate friend now have 1.2 billion value, where before you had 1 billion
...
the reason a ship can be insured is that when it goes pop... it is gone... someone else can't take the ship. Cargo and module insurance, if it were to work, could only apply to destroyed modules/cargo with out being out being abused... and at that point... how much do you insure... since it is possible that all might get popped, or just one or two modules?
The cargo would have to be tagged in the insurance system, so you know when it's blown up.
right... but how do you pre pay for the insurance... if you don't know how much needs to be insured? if you insure all of it... and only a single module gets destroyed... how do you then be sure that the pirate is not just an alt of the industrial pilot who then takes the modules, sells them on the market, and transfers the money to a third alt?
"laundering" money in eve is easy... and with out making normal gameplay to complex would be impossible to keep money from going to the original person who took out the insurance.
and you can't void out the insurance if the modules are not destroyed... because the legit businessmen who take out the cargo/module insurance for the right reasons and are popped by a real pirate would get screwed.
I can't see any way of making a working insurance system that helps the legit businessmen with out being able to be abused by the more... creative individuals in this game. Not with out a major overhaul of the accountability and anonymity this game provides.
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Quutar
Caldari
Auraxian Irregulars
The Sundering
|
Posted - 2007.08.29 18:41:00 -
[3]
Originally by: Agent Li
The cargo would have to be tagged in the insurance system, so you know when it's blown up.
also... how do you tell the difference between a real pirate who blows up the hauler, and then sells/transfers the modules... to a pirate who works with the "victim" and shares the money with him... even if they use two or three alts to launder the money through?
you can tell what survives... but how do you know that it was a legit hit vs an attempt at insurance fraud?
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Quutar
Caldari
Auraxian Irregulars
The Sundering
|
Posted - 2007.08.29 19:10:00 -
[4]
Originally by: Agent Li
1. There should be a central record of all losses. And, if the some, but not all, cargo is blown up, you get paid (in my original post) 50% of the value of the lost cargo. We would not pay for stuff not destroyed.
2. Since everyone would have a loss record, if your loss record was repetitive and great, no one would offer you insurance.
the problem is that to a legit customer... the fact that they lost the cargo, whether destroyed or taken by the pirate... and that is what they are insuring against.
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