EVE General Discussion

Don't fly what you are afraid to lose

Consider it an additional risk for flying the almighty and glorious Strategic Cruiser, T3s can compete with battleships, so im guessing there SUPPOSED to be a huge risk for people.

Why would I ever fly a T1 hull again if I got most of the value back for flying (and dying in) something clearly superior?

Ball up HTFU it's internet space pixels after all

PEND insurance is a game mechanic designed to cushion the financial blow for newbies or frugal players.
It only really nearly fully covers cheaply fit T1 ships, and it does so only under those circumstances by design.
You won't see insurance payouts for any ships above plain vanilla T1 ever going up radically.

Side-note, a long-term side-effect of higher T2 payouts would be a raising of the trading price of T2 ships to the point where the financial loss would be comparable to the one nowadays. You're only going to make it even harder for less wealthy players to get into T2 ships in the first place, while not really lowering replacement costs, and also add to the ISK faucet debit rate in the process.
That's not really good for anybody except maybe moongold extraction entities, and even that's arguable.
T3 would not be quite so drastic in compensation (since the PvP-to-other usage ratios are different from T2), but a similar effect would be noticeable.
You'd have to keep adjusting payouts for replacement costs to really go down, but then you're manufacturing a needless and detrimental inflation spiral, so why bother ?

I could go on about it, but...
...long story short, "NO".

Yes it does.

Waaa waaa mee too mee too I want free iskies for my T2 ships as well......!

Seriously, the insurance value is generally based on the mineral value of the hull. Lots of other stuff besides minerals goes into making T2/T3 hulls that are not minerals, they come from PI, moon mining, sites, etc. It is the value of this "other stuff" that drives up the price of these advanced hulls. If CCP started to pay out on all this other stuff it would add so much isk to the economy that we would inflate out of control forever. You think I wouldn't charge you twice as much for the ship I made you if I knew you could afford it? You think you wouldn't pay it if you got all your money back when it popped?

So HTFU, and as other people have said - if you are whining about 500M then maybe you can't afford to be flying T3's in the first place. Learn to play eve and accept the consequences of failure.

Erm no. The fleets that take tech moons already exist, their purpose is not to take tech moons. Nor is there any costs involved in maintaining the ships or pilots to defend them. In fact the only cost involved is the cost of any ships lost taking or defending the moon along with along with any ammo/cap fuel expended which is a tiny tiny fraction of profits. Sov is not necessary and in any case actually reduces pos costs rather than adds to them, though all the biggest chains are in npc null anyway.

The cost of moving the goo is negligible, as are the pos fuel costs. That leaves 95% of the cost as raw profit

Its not like "any economy", no economy has 1 super substance required for all advanced technology which is located in only a handful of places. Oil for example has alternatives which would be used if it became too expensive. The chinese are trying to buy up all rare earth metals but even they don't have the resources to get a monopoly like is possible in eve. And obviously there is no innovation in eve industry, players cannot design a cheaper process to make t2 ships or develop a t1.5 technology that does the same thing for less. Even if rl was like this it still wouldn't be "justified".

No, if you can't afford T3's as throwaways, then dont fly them. Besides, they are only meant for ELITE pvp'ers, like WH's.

People still insure ships?

How bizarre.

Mr Epeen

What of ship insurance was made not to pay back isk instantly, but to give you a replacement hull?
You could add in a replacement delay, say a few days for the hull to be ready for pickup as well.

Would make more sense that the insurance agencies are making hulls cheaper then we do (better contacts and resources) but that the more unusual the hull, the longer it might take to get you a replacement.

You'll be out of isk, have to wait, but could be scaled to give you a better bang for your insurance buck.