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Jesnen
Amarr
D00M.
Triumvirate.
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Posted - 2008.02.10 16:26:00 -
[31]
 Originally by: Willow Whisp
Edited by: Willow Whisp on 10/02/2008 02:32:30
Originally by: FireAnt
there is no loss anymore. people seem to be making money on insurance. it should be based like real insurance, if you are a dangerous driver you rate should be higher or maybe even be uninsurable. concord kills should be not insured. basic insurance should be dropped all around, make it a insure it or nothing plan.
I agree actually. Since insurance should be lowered for at-risk or dangerous drivers, i propose the following:
if you've had 0 ship losses, your insurance payout is 100%
after 5 ship losses, you are a marginal at-risk pilot, and your 100% rate goes up by 10%
for every ship loss afterward, your insurance rate goes up by 5%.
Industrial and Freighters should carry a 50% insurance penalty, since they are at-risk ships.
There should be no difference between PvP and PvE losses in terms of the insurability of your ship.
If you are killed in an industrial ship in high security space and CONCORD responds, your insurance is voided. You have shown that you are an irresponsible driver that did not take appropriate measures to secure your ship and cargo. Furthermore, CONCORD will bill you for their Ammo usage.
Lack of smily faces makes me think that perhaps you are serious, PVP much?
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Cpt Branko
Surge.
Night's Dawn
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Posted - 2008.02.10 16:54:00 -
[32]
Originally by: FireAnt
there is no loss anymore. people seem to be making money on insurance.
(a) There is loss on T1 ships. You do fit modules, right?
(b) People are NOT making money on insurance.
Let me illustrate.
Market price of Hurricane = 32M roughly.
Insurance payout of Hurricane = 36M
Insurance cost = 10.9M
That means market price of Hurricane + insurance = 42.9M, insurance covers 36M, meaning Hurricane costs 6.9M to lose for the base hull. Fit it reasonably well (but not rigged), load with ammo and drones and it's about 30M to lose total.
Sig removed, inappropriate link. If you would like further details please mail [email protected] ~Saint |
Andrymeda
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Posted - 2008.02.10 17:10:00 -
[33]
The only love insurance needs (not a nerf) is that premiums should be tied to the regional average price (whatever it is currently) not the base price.
Otherwise, it really is not worth it. The net result is that you recoup about 2/3rds of the cost, which only defrays the cost of replacement. When Cerbs were 225M a few months back, you'd only get something silly back and that is with the maximum insurance policy. Today, insurance is nearly viable for those ships.
Also, the insurance policy should also reflect whatever modules are installed in the ship at the time.
Insurance really is only good for old T1 ships. Just.
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Lame sig |
Marcus TheMartin
Gallente
Deadly Addiction
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Posted - 2008.02.10 17:16:00 -
[34]
Originally by: Wet Ferret
Insurance is about the only thing that keeps people from being griefed out of the game, so how about no.
Of course this doesn't apply to players who fund themselves with GTC, but screw them TBH.
(And you really think basic insurance needs nerfed? What?)
Explain your reasoning
personally I think removing insurance as a whole you solve a few problems
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Malcanis
R.E.C.O.N.
Black-Out
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Posted - 2008.02.10 17:18:00 -
[35]
Originally by: Conrad Rock
Edited by: Conrad Rock on 10/02/2008 11:06:44
Delete all T2 BPO's and reset all wallets, then I will accept a removal of insurance.
Just to make it fair for everyone.
Don't forget to randomise moons and true-secs as well.
CONCORD provide consequences, not safety; only you can do that. |
Willow Whisp
Sadist Faction
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Posted - 2008.02.10 17:36:00 -
[36]
Originally by: Shintai
50% on industrialists? LoL, ye sure, then a 5000% penalty for PvPers and 1000% on mission runners 
Why? PvPers are using their ships for their intended purpose. For the most part PvPers kill more than they loose, they should get a discount from the insurance companies. Mission runners tend to be lower risk once they figure out how to keep their ships alive, again, not as high of a risk. The only ships that have no way of defending themselves, and tend to carry high-value cargo in easily destroyable vessels is industrials.
Quote:
The only nerf that is needed is for people that get killed by concord.
If you can't prove that your goods weren't secured properly, RL insurance won't cover you either. If you left 5million dollars in diamonds in your back seat, visible, and someone broke your window and took the diamonds, the insurance will consider you negligent. By the same measure, if you are carrying 2bil worth of loot in a paper-thin industrial, you have invited disaster by failing to secure cargo. Hence the premium on insurance.
Originally by: Jesnen
Lack of smily faces makes me think that perhaps you are serious
I always wonder how long it takes people to realize i'm not serious in this suggestions  . The lack of smileys was on purpose.
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Kiki Arnolds
Caldari
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Posted - 2008.02.10 17:49:00 -
[37]
Insurance is actually very important for the economy, it serves to prop up mineral prices... IF insurance caused inflation, ship prices would rise, but then insurance would no longer cover the cost of the ship... stopping insurance from causing further inflation... If it wasn't for insurance ships would be LESS EXPENSIVE...
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Kiki Arnolds
Caldari
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Posted - 2008.02.10 17:51:00 -
[38]
Originally by: Willow Whisp
If you can't prove that your goods weren't secured properly, RL insurance won't cover you either. If you left 5million dollars in diamonds in your back seat, visible, and someone broke your window and took the diamonds, the insurance will consider you negligent. By the same measure, if you are carrying 2bil worth of loot in a paper-thin industrial, you have invited disaster by failing to secure cargo. Hence the premium on insurance.
Yeah, but if someone suicide bombs your car to steal the diamonds, your car will still be covered, even if the diamonds aren't... Last I checked in eve you insure SHIPS not CARGO
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Gnulpie
Minmatar
Miner Tech
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Posted - 2008.02.10 17:54:00 -
[39]
I can understand the insurance thing on smaller ships so that the noobs suffer not that much and that pvp is encouraged.
But currently the insurance on some BS are obscene.
Please CCP, have a look at this.
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Willow Whisp
Sadist Faction
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Posted - 2008.02.10 17:56:00 -
[40]
Originally by: Gnulpie
I can understand the insurance thing on smaller ships so that the noobs suffer not that much and that pvp is encouraged.
But currently the insurance on some BS are obscene.
Please CCP, have a look at this.
No, the insurance on some BS are accurate. It's the producers selling BSes for under mineral cost that are obscene.
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Sig removed, inappropriate content. If you would like further details please mail [email protected] - Cortes
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Conrad Rock
Caldari Provisions
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Posted - 2008.02.13 14:58:00 -
[41]
Originally by: Willow Whisp
Originally by: Gnulpie
I can understand the insurance thing on smaller ships so that the noobs suffer not that much and that pvp is encouraged.
But currently the insurance on some BS are obscene.
Please CCP, have a look at this.
No, the insurance on some BS are accurate. It's the producers selling BSes for under mineral cost that are obscene.
People value their time less and less, or enough farmers are mining to have brought this change.
I say enjoy the prosperity while it lasts. I still remember 110m ravens in Jita.
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Janu Hull
Caldari
Terra Incognita
The Reckoning.
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Posted - 2008.02.13 15:13:00 -
[42]
Originally by: Roxanna Kell
EVE used to pride it self on being like real life.
If EVE bore even a passing resemblence to real life, people who abused the system at the expense of the population would be banned (imprisoned) for it.
EVE isn't like real life, EVE is not fair to anyone. Its not fair to people who get scammed, its not fair to carebears who do stupid things with their ships, its not fair to PvP e-peen strokers who want to inflict total misery on their victims.
See? We're all equal. Now go get f*cked.
In the event of an emergency, my ego may be used as a floatation device. |
Tania Raukova
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Posted - 2008.02.13 15:56:00 -
[43]
I wonder what the insurance system would look like if it was a part of the player-driven economy. I'm sure someone would like to set up an insurance company, and they would certainly find ways to penalize players that lost a lot of ships. The insurance rates could be horribly high I imagine. Would be interesting to see that happen. However, with my so far 10 days of playtime, I've come to love the current CCP-sponsored system. It takes the most bitter edge of the losses I suffer while learning the basics of the game.
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Letouk Mernel
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Posted - 2008.02.13 15:59:00 -
[44]
They could always get rid of the insurance interface and having to buy insurance, and just make the default payout on all ships 77% instead of 40%...
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Matalino
Gallente
Ki Tech Industries
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Posted - 2008.02.13 16:11:00 -
[45]
Originally by: Andrymeda
The only love insurance needs (not a nerf) is that premiums should be tied to the regional average price (whatever it is currently) not the base price.
Oh yes, please do this. I want an unlimited ISK printing machine:
1) Build lots of crappy under-used ships
2) Super-inflate average price for that ship by selling them to myself at obsurdly high prices
3) Destroy ships to collect obsurdly high insurance payouts
4) ???
5) Profit! Originally by: Willow Whisp
No, the insurance on some BS are accurate. It's the producers selling BSes for under mineral cost that are obscene.
This is the real issue.
Don't worry about it. The market will correct itself naturally.
If mineral prices are far enough out of wack, people will just self-destruct ship until they use up the over-supplied minerals.
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Aldelphius
Carbide Industries
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Posted - 2008.02.13 16:22:00 -
[46]
only changes needed have been stated.
Insurance should be invalidated by Concord kills. Self explanitory. You can petetion if its a bug.
Default insuarnce needs to be removed. You want insurance, you pay for it. Free insurance only benifits carebears who dont think about what they are doing and get smacked up by rats, pirates, or stupidity. The only PvP'ers that could be hurt by it are people who stockpile ships at remote PoS's.
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