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Seth Ruin
Galactic Exploration and Mining Corporation
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Posted - 2008.06.19 06:26:00 -
[1]
While I realize this has most likely already been proposed, I haven't been able to find this exact proposal before on the forums.
I was thinking today about the "insurance issue" and the disparity between T1 and T2 ship insurance, the problem of people abusing the insurance payouts, etc, and I realized there is a very simple fix, that could have other benefits as well.
The idea is simple: privatize insurance!
The implementation, however, would require some changes to EVE, which could even be implemented in several "stages" if not all at once (I'd much prefer the latter, but we all know how the devs are about this stuff  )
Stage 1: Integrate kill/loss mails more into the API. Allow an API key to have access to these logs! An additional benefit of this would be better automation of alliance kill boards.
Stage 2: Allow regular payments to be set up in-game. Possibly through the contract system? The additional benefits of this would be for anybody providing a regular service, anybody issuing loans, and anywhere else a regular, fixed amount payment is expected.
Stage 3: Decrease future NPC insurance payouts (but keep any insurance plans that have already been purchased at their current levels). This would give players an incentive to start purchasing insurance plans from player corporations without such a sudden change as immediately removing payouts and making players feel like they wasted their hard-earned isk.
Stage 3a: Additionally, allow insurance contracts from player corporations visible in the current contract menu.
Stage 4: Continue to gradually decrease NPC insurance payouts. Finally, after a month, two months, however long the devs decide it will be necessary, remove them all together!
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Mika Meroko
Crayon Posting Inc
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Posted - 2008.06.19 06:53:00 -
[2]
one question...
how do you deal with the Issue of Trust and player insurance companies paying out?
I know one thing for sure, I would fight tooth and nail to NOT pay the claim...like real life insurance companies.
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Lord WarATron
Black Nova Corp
Band of Brothers
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Posted - 2008.06.19 06:56:00 -
[3]
"Insure your ships with me folks, send me half your current Platinum insurance value, and I will repay 200% ship value! I will take it on trust as well. 1000's of satisfied clients. Just transfer the isk directly to me."
So whats to force the guy to pay out? Nothing.
--
Billion Isk Mission |
Inertial
The Python Cartel
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Posted - 2008.06.19 06:59:00 -
[4]
 Originally by: Seth Ruin
While I realize this has most likely already been proposed, I haven't been able to find this exact proposal before on the forums.
I was thinking today about the "insurance issue" and the disparity between T1 and T2 ship insurance, the problem of people abusing the insurance payouts, etc, and I realized there is a very simple fix, that could have other benefits as well.
The idea is simple: privatize insurance!
The implementation, however, would require some changes to EVE, which could even be implemented in several "stages" if not all at once (I'd much prefer the latter, but we all know how the devs are about this stuff )
Stage 1: Integrate kill/loss mails more into the API. Allow an API key to have access to these logs! An additional benefit of this would be better automation of alliance kill boards.
Stage 2: Allow regular payments to be set up in-game. Possibly through the contract system? The additional benefits of this would be for anybody providing a regular service, anybody issuing loans, and anywhere else a regular, fixed amount payment is expected.
Stage 3: Decrease future NPC insurance payouts (but keep any insurance plans that have already been purchased at their current levels). This would give players an incentive to start purchasing insurance plans from player corporations without such a sudden change as immediately removing payouts and making players feel like they wasted their hard-earned isk.
Stage 3a: Additionally, allow insurance contracts from player corporations visible in the current contract menu.
Stage 4: Continue to gradually decrease NPC insurance payouts. Finally, after a month, two months, however long the devs decide it will be necessary, remove them all together!
Two questions for you:
1. Who would buy insurance?
2. How could the insurance company actually make a profit?
Two answers for you:
1. PVPers
2. They won't, because PVPers loose ships more times a day, than they ****.
we are recruiting!
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Vanessa Vasquez
planet eyeQ
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Posted - 2008.06.19 07:12:00 -
[5]
yeah, what a wonderfull idea. You do realize that the insurance system works on a "many people pay low ammounts to compensate few ppl who actually loose/destroy their stuff and get high payout" basis, do you? This CAN'T work in eve as MOST ppl destroy their stuff, the insurance company would make a big loss.
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F'nog
Celestial Horizon Corp.
Celestial Industrial Alliance
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Posted - 2008.06.19 07:21:00 -
[6]
The only way this would work is if it worked like the real world. So high risk people, i.e. PvPers, would pay more than their ships are worth to get insurance. Not gonna happen.
Originally by: Kazuma Saruwatari
F'nog for Amarr Emperor. Nuff said
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Siigari Kitawa
The Aduro Protocol
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Posted - 2008.06.19 07:21:00 -
[7]
Making it a contract would not be hard, but if you have no buyers that would be a problem.
However I assume tons of people would jump on the opportunity to provide "a new service" to EVE.
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Tuberider
Pothouse Cartel
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Posted - 2008.06.19 09:18:00 -
[8]
whats insurance 
Three. Three. And we'd better not risk another frontal assault. That rabbit's dynamite |
DiaBlo UK
Precision Engineering
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Posted - 2008.06.19 09:24:00 -
[9]
also, insurance is a big isk sink, we need isk sinks in eve to atempt to balance the already spirallying economy. check out the first or second econ-dev blog, which seemed to have stopped, or have i just missed one?
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Mikael Mechka
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Posted - 2008.06.19 09:36:00 -
[10]
I would say that allowing people to run insurance is a big mistake. There are a lot of people out there who purposely destroy there ship just before the expirey time in order to claim the insurance.
A better idea would be to fix the insurance system as is currently practiced than putting it into the hands of players who will, let's face it, look for ways to abuse the system.
My suggestion would be: insurance does not pay out if the ship in question was self destructed, or as a result of concord. Or at the very least, reduce the insurance payout for such an event. Since other aspects of the game are modelled on real life (salvage, etc), then why not do the same with insurance? No insurance company will ever pay someone the insurance payout if they burned down their own house.
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Zinras
Caldari Provisions
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Posted - 2008.06.19 10:11:00 -
[11]
I know I'll be the first to offer totally safeÖ insurance 
Originally by: CCP Greyscale
*moderated - mother abuse - Mitnal*
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Vistrix Ferocia
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Posted - 2008.06.19 10:28:00 -
[12]
You trust some individual/Corporations with good names, you get ripped off by some with bad names.
Thats the way privatisation works...
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Estel Arador
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Posted - 2008.06.19 10:28:00 -
[13]
Only thing that I think *might* work is insurance payouts for ships lost to NPCs only. If there are lots of experienced mission runners who don't insure their ships because they don't lose their ship once every 12 weeks, you could set up an insurance for them at lower than the game insurance while still offering full coverage.
Estel Arador corp services (high-sec POS/JCs) just 120M isk! |
Gobi Mettle
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Posted - 2008.06.19 11:34:00 -
[14]
I think player run insurance policies could work but the insurer would need access to the players kill stats. Then it's up to the insurer to set a rate at which he believes will be profitable.
The only trouble I see with the idea would be that as in real life, insurance only works for really big companies because you need as many customers as possible to spread the risk.
That means that after a few months I see there being 1 to 3 large insurance companies who can undercut everyone else because their risk will be lower.
Personally I would like to give player insurance a try (mainly because I'm a geek who loves filling things into a spreadsheet) but I doubt it would be a very profitable venture for the solo/small corp player.
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Terror Rising
Death Of Fallen Angels
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Posted - 2008.06.19 11:36:00 -
[15]
Just remove insurance ... Or at very least remove it for low sec and 0.0 and you might get people flying smaller ships that are more easy and fun to replace.. T1 FTW!
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Mikael Mechka
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Posted - 2008.06.19 12:23:00 -
[16]
Edited by: Mikael Mechka on 19/06/2008 12:23:41
Another problem that occured to me is the higher amount of pvp people are doing, mainly due to FW.
A player can lose a hundred ships in a week (assuming he's either really bad, or really unlucky, or just flies ewar the whole time and keeps getting primaried), and still be able to replace them fairly easily if they are T1.
Now, add player owned insurance companies, they would insure his ship, fine. He then loses it in FW (or a regular war, same principle), he then goes on to lose say 10 more ships. The company giving him insurance will need to either need to increase the amount he needs to pay for insurance (to keep making isk as opposed to losing it), or have to stop providing him with insurance.
This would suddenly make pvp far more expensive and a lot less fun for the player if everytime he loses a ship he has to grind for hours to make the isk to be able to re-enter the war.
Now multiply this by the thousands of player characters who are enjoying FW. It would make an engagement much less fun, and would force blobs (safety in numbers, etc), which is exactly what CCP don't want.
Player provided insurance could well force the newer players out of the pvp aspects of EVE.
*Edited to make the wall manageable*
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Banana Torres
Federal Defence Union
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Posted - 2008.06.19 12:30:00 -
[17]
Originally by: Vistrix Ferocia
You trust some individual/Corporations with good names, you get ripped off by some with bad names.
Thats the way privatisation works...
In the real world you need to get a bit of paper from the government, join a trade body and show you have the assets to meets claims before you can set yourself up as an insurance company.
And nearly every privatisation has created a regulator to ensure that the market is doing its job.
Do we want all this ****e in Eve? I for one don't.
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