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Maren Maen
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Posted - 2009.02.12 04:07:00 -
[1]
Insurance makes sense for new players.. keeps them from completely falling on their face if they lose a ship. But once a player has been around the block, there shouldn't be any free isk faucet handouts like this. Even if they go broke, after some game experience they should know someone that will front them the cost of a new ship.
And base insurance payouts for motherships/titans? I mean, seriously?
Proposal A: Once a player has achieved an arbitrary # of skillpoints, no more base insurance payout and they're ineligible to purchase insurance (they've become 'uninsurable' in the US health insurance lingo).
Proposal B: Let there be a sliding scale. Say at 10M SPs, insurance benefits are reduced by 25%, 15M-50%, 20M-75%, 25M-100% or something along those lines.
Proposal C: After a set # of ship losses, no more insurance (again, they've become 'uninsurable').
Proposal D: After each insured ship loss, increase the cost of obtaining insurance. Eventually it won't make economic sense to continue to buy insurance. Allow this to be a floating system. That is, the cost of insurance will decline over time down to a base level if no "claims" are made (i.e., no insured ships are lost). Tbh, I think this system makes the most sense, although it's also the most complicated of the 4 to implement.
Help make New Eden a better place! Control inflation now! Contact your congressperson!
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Galan Amarias
Amarr
The Drekla Consortium
Systematic-Chaos
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Posted - 2009.02.12 04:49:00 -
[2]
I like the idea, but then I've stopped buying insurance. My ships tend to outlive it and it wastes my isk. Hence your idea removes an ISK sink from people not blowing up their ships. My only real concern is that it will make people even more risk avoidant, that's less pvp and less is bad.
I like the SP cap for ship loss, however I'd make it dependent on certs not raw SP. That way it's the combat players losing ins on combat ships and the miners losing isk on the minning ships..
-Galan
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Severice
Crushed Ambitions
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Posted - 2009.02.12 07:49:00 -
[3]
Yet another reason to never accept your certificates. Useless as they are.
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Major Celine
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Posted - 2009.02.12 09:16:00 -
[4]
What about making a player based in highsec unable to insure his ship?
A highsec carebear doesn't need an insurance because he has no risk and only profit.
Highsec is too crowded and there is no reason to force that.
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Maceross
DEATHFUNK
Doctrine.
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Posted - 2009.02.12 09:48:00 -
[5]
Why does everyone always assume that older players are stinking rich or have a steady way of making their isk back?
No thanks, grinding for isk for hours which i dont enjoy to do something that i do enjoy just doesnt make sense, stop trying to fix things which aint broken just because you can afford it.
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Total Disaster
Caldari
Frontier Industry
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Posted - 2009.02.12 09:53:00 -
[6]
that's SP racism......
why should older characters be punished, isn't it punishment enough that their clones become expensive?
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Del Narveux
Dukes of Hazard
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Posted - 2009.02.12 10:09:00 -
[7]
Bad idea, all it would do is make even less people fight than already do. Heck, if anything we need more insurance so people wont run away as soon as it looks like they might have less than 3:1 odds if they engage.
Is it just me, or does eve need a serious injection of leeroy?
_________________
[IMAGE REMOVED]
-- aka Cpt Bogus --
Is that my torped sig cloaking your base?
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SpawnSupreme
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Posted - 2009.02.12 12:11:00 -
[8]
Edited by: SpawnSupreme on 12/02/2009 12:15:55
pass this idea and im done pvp i just change over to building ships for you dumb turds who make me rich and you poor
if you allow me to insure my ship after its fitted to include everything on ship i will gladly meed you head on in combat anythime you feel the need to die!
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Maren Maen
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Posted - 2009.02.13 06:41:00 -
[9]
 Originally by: SpawnSupreme
Edited by: SpawnSupreme on 12/02/2009 12:15:55
pass this idea and im done pvp i just change over to building ships for you dumb turds who make me rich and you poor
if you allow me to insure my ship after its fitted to include everything on ship i will gladly meed you head on in combat anythime you feel the need to die!
So let me see if I've got this right..
If you lose money when you lose in pvp, you won't pvp.
If you don't lose anything when you lose in pvp, you'll gladly enter any pvp fight anytime anywhere.
There are plenty of MMOs on the market that would satisfy your pvp requirement. Eve simply isn't one of them.
But it does make a good point. There are people that simply will never engage in pvp if there is the possibility of loss. 50% insurance or 75% or anything less than 100% coverage will never satisfy these people. That being the case, I don't see the point of trying, because "safe" pvp is the antithesis of eve's core design.
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Luthien Tanuviel
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Posted - 2009.02.13 07:34:00 -
[10]
I lol'd all the way through this... Buy insurance? have you seen what you get for insurance on a t2 ship? lmao
oh and high sec crowded? True but so is 0.0, unless your part of a major alliance you wont fly easily around without enemy blobs moving around :)
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Dray
Caldari
The Glenn Quagmire Finishing School for Young Ladies
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Posted - 2009.02.13 17:10:00 -
[11]
I think you will find most players with a reasonable amount of skill points fly ships that the insurance payment doesn't even come close to covering, tech II anyone.
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Robert Caldera
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Posted - 2009.02.13 19:14:00 -
[12]
Edited by: Robert Caldera on 13/02/2009 19:14:49
just make the insurance work like in the real world, the higher your losses are, the more expensive your insurance is.
This would eventually stop people ganking other people for fun, at least they would have to pay for it. Now, you insure you ship if its clear its going to blow soon, the insurance is also abused for ganking and fighting where the loss is pretty predictable but just reduce peoples loss of money at risk->100%.
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Deviana Sevidon
Gallente
Panta-Rhei
Guardian Federation
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Posted - 2009.02.13 19:24:00 -
[13]
I would like to see Insurance completly go. The past showed it is too exploitable and it screws up the market because it floods the game with ISK.
How about, every player can at first insure their ships at 100% at normal cost. When they have been blown up a few times the insurance companies raises the cost for insurances in steps, up to the point where you have to pay 75% of the total payout the insurance gives.
A few explosions later, the insurance companies refuse to insure you at platinum level, then at gold level and at the end you would be without insurance.
This would give a limited whelp-protection that is gradually removed as the player becomes more experienced
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Robert Caldera
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Posted - 2009.02.13 19:33:00 -
[14]
a good idea.
The fact is: the insurance how it is right now is just a subject for abuse by several fractions in the game.
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Karrade Krise
Galatic P0RN Starz
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Posted - 2009.02.13 19:49:00 -
[15]
Horrible, just horrible idea. I like where your head is at...but this is just a no-go for me.
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testalus rima
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Posted - 2009.02.13 19:51:00 -
[16]
three ideas ->
0) make fees based on concord standing...want cheap fair go ratting for a while
1) make insurances hand out by npc corps...high standing low fee...so if you want a low fair you need to mission run for a while
2) make the system open for player corps...corps can handout there own insurances based on what ever (ship kills, pos kills, mining yield, ...)...you want a cheap fair bargain or do some duty...this could lead to a corp based mission system or a player based insurance system (open market)
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