Willow Whisp
Sadist Faction
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Posted - 2008.02.27 17:27:00 -
[1]
 Originally by: Jabezhane
The insurance thing was obviously devised by someone with no real knowledge of how real world insurance works (yes I know its not real-world but bear with me).
If when I was a motor claims handler, I had a claim submitted to me from someone in HM Prison Wormwood Scrubs claiming for damage to their car from using it in a ram raid or armed robbery we would have politely told them where to go.
To be honest insurance shouldnt pay out if the insured item is destroyed whilst being used for criminal activities. However that would make a big change to the game dynamics and I would hope that it would only apply to highsec.
Insurance is a pretty poor setup in Eve anyway.
You know, you are absolutely right.
I think, in order for any insurance to be valid, that you need to prove there wasn't any agression whatsoever on part of the lost ship.
Since we are talking "Realistically" here, then the following should "Fix" insurance so that it follows proper "RL Insurance" procedures.
1) If you have agressed your attacker at all, insurance is void.
2) If CONCORD is summoned when your ship is lost, insurance is void.
3) If you have failed to take appropriate precautions to protect your cargo, insurance is void.
4) If you are involved in risky behavior, insurance is void.
That basically covers all the bases, no? Let's look at the clauses the above would cover:
* If you are engaged in PvP, and you get killrights on your attacker, then you get insurance, as you didn't agress your attacker. You were a victim here.
* If you engage in PvP, but you do not get killrights, then you also loose insurance. Your ship logs indicate that you were engaged in aggressive acts, which voids the insurance.
* If you loose your ship to NPCs, because you were firing on them, you loose your insurance. You were engaging in risky behavior.
* If you loose your ship to NPCs without firing on them, (e.g. at a belt or at a mission where you aren't a damage dealer), then you get insurance. You were obviously a victim of the evil NPC Pirate Cartels.
* If any of the following items are missing from an industrial hull, you loose insurance: Shiled Extender, Armor Plate, Damage Control. You obviously weren't taking proper precautions to secure your cargo.
* If the value of your cargo is higher than the value of your ship, then you loose insurance. You obviously weren't taking proper precautions to secure your cargo.
* If you loose your ship in low-security space, or lawless space, insurance is voided. You were involved in risky behavior.
Am I missing anything here? 
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