Player Features and Ideas Discussion

So what happens when the market gets manipulated so that Bantams sell for 20 million and everyone starts cashing in?

Insurance is based on mineral worth. I think T2 and T3 should pay out more than they do. faction is another matter. The big cost of a faction ship is in the method of procuring it in the first place.

well thats why im saying the whole market avg minus 10%

take my vindi i lost avg is about 1.1 minus 10% or even 25% is a lot better the 80% loss

If you can't afford to lose it, Don't fly it.

Insurance on these ships would be more costly.

Lets say you're flying a Golem worth 800 mil.

Insurance would cost 150 to 200 mil.
You would be paid out at 600-700 mil.

when flying a golem you're easily fitted with 300-400 mil in modules/rigs.

That means including, we'll say 200 mil in insurance plus 800 mil for the ship and 300 mil in fittings, your overall investment into the ship is 1.3 billion.

With a payout of 700 mil that's still a loss of 600 mil.


That is enough of a loss to be a huge hit to your wallet and is substantially more of a hit by far than you would take with a relatively equally fitted raven.

However, insurance like this would also suggest more flying of t2 ships in pve and even more in pvp because it would be substantially less of a hit when they did pop.


Also, with the tiericide of t1 ships making them more effective in both pvp and pve, then CCP needs to do something to make t2/t3/faction ships more appealing to players besides sending them through tiericide.

Even once t2/faction ships are sent through the rebalancing they're still going to be less appealing due to cost.

Now, in the case of t3 ships, I personally feel that they're gonna need their mineral requirements substantially reduced because they're all bound to get nerfed out the @ss.
I mean, they're capable of battleship dps and tank while having the size, speed, and mobility of a cruiser, while also having the options of interdiction nullification and covert cloaking.


The point is that there's 2 ways to make t2/t3/faction/pirate ships more viable.
One is reducing the mineral requirements, LP costs, and/or whatever else in order to bring their costs down to a competitive level (which won't happen)
Or two, give players a chance at a stubstantially higher insurance payout for these types of ships so that players will be taking less of a hit when flying one, thus more of these ships in combat.

Again tiericide amongst t1 ships is making t2 not worth it in pvp, and probably continue to be so even after t2 rebalance.
The reason for this is the high cost and limited functionality of t2. They're limited because t2 is designed to be focused ships that are less versatile than t1, but better at their specific tasks than any t1 could be.
However, in pvp versatility is key.

I think you're misunderstanding the counterargument.

1) Buy a whole bunch of one specific T2 ship, all at once. This will already up the price in itself.
2) Manipulate the market some more so that they cost like 400% more than they should.
3) Insure, and then go self destruct all your ships you bought, and get 360% in insurance of their normal cost for each.

Ta da! you just printed 100-200% of the original cost of each ship in free, magically appearing isk (260 minus costs of markat manipulation and insurance purchase)

They already significantly upped the insurance payout of t2 ships not that long ago.... You used to get 100-400k isk when you lost a 30m isk AF.

The price of flying t2 / faction ships has always been that insurance payouts are significantly lower than the cost of the ship. This is a good counterbalance to the boosted effectiveness of these ships, and I don't see any good reason to change it.

Seriously, why should the insurance pay out more? How does this "improve" the game?

The OP is asking for exactly that: dynamic insurance. Look at the quote I quoted "market average minus 10%." That would be dynamic insurance, since the market price is dynamic.

Anyway, in general @anybody suggesting even non-dynamic increases, no. Insurance doesn't make any sense anyway. No real insurance company would ever even TOUCH ships in Eve Online with a 10 AU pole (things like fleet battles would constitute too large of a payout all at once for an insurance company. There's a reason why no private insurers sell flood insurance, for example). Much less would they give out payments without taking into consideration your claims records, and MUCH less based on "market prices" If anything, we should remove insurance, or nerf it by making your premiums go up the more times you file claims.