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Pax Ratlin
Woodland Larch
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Posted - 2008.12.03 13:09:00 -
[1]
I agree to this in principle but disagree in application.
Personally i would go for Full payout for ships lost in high sec, 50% payout in Empire controlled low sec, 0% payout in 0.0
On top of that 0% payouts to people who's sec status drops below -5, and anyone who's status is -5 or worse cannot insure their ships.
Lastly you must be in Empire controlled space when you insure your ship.
Basically the insurance companies would only work in the (relative) safety of empire controlled space and would not pay out to known/convicted criminals.
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Pax Ratlin
Gallente
Woodland Larch
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Posted - 2008.12.03 15:26:00 -
[2]
 Originally by: LaVista Vista
Removing insurance will hurt the economy really badly. It's like removing consumption IRL, which we see with the economic crisis: It will HURT.
Yes in the very short turn, but quickly the players would fill the void left and the insurance market would become a completely player driven economy, with different corps offering different policies to different sections of the market place .... just as you helped set up a Eve based bank to fill in that void LaVista ... don't you think?
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Pax Ratlin
Gallente
Woodland Larch
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Posted - 2008.12.03 18:24:00 -
[3]
Originally by: LaVista Vista
Originally by: Pax Ratlin
Yes in the very short turn, but quickly the players would fill the void left and the insurance market would become a completely player driven economy, with different corps offering different policies to different sections of the market place .... just as you helped set up a Eve based bank to fill in that void LaVista ... don't you think?
A player-run insurance system is, while interesting, fairly unlike to make up for it.
A business does, by definition, aim to make profit. You can't make profit in an insurance firm in EVE. The way insurance firms works IRL, you basically make a bet with them that you WILL have something bad to you actually happen, while they bet that there won't.
In EVE, it's very simple: Something bad will happen to you.
In case you didn't notice bad things happen to everyone no matter if you live in EvE or the real world.
Your illustration of how insurance works is very very basic and thus quite flawed. Insurance companies don't just insure anyone, they make an assessment of the risk you pose and offer you a policy they feel is the least gamble they can get away with.
So bad things will happen to you more frequently in EvE, the insurance companies premiums would reflect that surely?
Running an insurance firm in EvE would be just as risky as say ... investing in a bank on EvE, and it couldn't make a profit???? If anyone is willing to lend me a couple of billion isk then i'm more than happy to test out thet statement.
But yes something must be done for noobs so i would suggest leaving the present insurance system in place for T1 frigs and only T1 frigs.
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Pax Ratlin
Gallente
Woodland Larch
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Posted - 2008.12.03 19:46:00 -
[4]
Originally by: Drake Draconis
T1 Frigs aren't going to be enough.
Killing insurance for Tech 1 ships will harm every single noob out there.
If your going to kill insurance... kill it all.
Or enforce penalties for CONCORD infractions.
Dunno what your definition of a noob is but noobs wandering round in T1 Battleships, to my mind once they have earned and learned your way out of the frigates they are probably not as big a noob as you think they are.
If you find a noob in a BS it's becaused they have rushed to BS without stopping along the way for any other skills, at which point losing that BS will probably be the last reason you quit EvE, the first being you couldn't find the "I win!!!" Button.
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Pax Ratlin
Gallente
Woodland Larch
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Posted - 2008.12.03 20:18:00 -
[5]
Originally by: Jason Edwards
The thing is...
Remove ship insurance... then people eventually dont replace the t1 ships they lost because they dont have the isk.
Meaning less ships being bought off the market.
Meaning ships start to flood the market.
Which wont hurt ship builders... they just then shutdown ship production... so they are hurt by making far less isk; but the real people who get hurt are miners. Minerals are no longer bought and those really flood the market.
Eventually ships become ridiculously cheap...
WTB Megathron 50 isk.
Nah what is needed is a decrease in capital insurance values. So perhaps a max payout of 500mil for dreads and 300mil for carriers. That's at max insurance. Or whatever value. Big capital fights then really really hurt.
No, no on pretty much all counts.
I know i'm a carebear and all that but even i know that you "don't fly what you can't afford to lose"
And no, even if the t1 market slows down by any significant amount, over the medium/long term it won't force BS prices down to 50 isk it will instead force industrialist to make something else or be something other than an industrialist, as you say, which will have a knock on effect on the mining industry, driving miners out of buisness, as you say. Which in turn will drive up mineral prices, which will bring miners back into buisness which will force up the prices of ship, which will in turn bring more industrialists back into making t1 ships.
And while my reading of the situation is just as simplistic as yours, the questions which is the more realistic? The End of the World or that the markets will steady out and adapt over time?
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