EVE General Discussion

Some of the insurance payouts are a joke. I pay for the platinum insurance on my Mackinaw, a ship that has an average sell price of ~175m and if it gets popped, CCP refunds ~38m. That's just dumb. I put platinum insurance on my Drake and it gets popped, I get around 48m back. Which is almost enough to replace the ship. Some of the payouts need to be looked at and adjusted accordingly.

You're not meant to get good insurance from T2 ships.
What you're asking for has already happened.

That makes sense. Ah well. Learn something new everyday regardless of whether or not I like it lol

Or a thorax and a wardec on a small corp. Get revenge.

Wardec is minimum 50m.

No.


Losing your Mackinaw is dumb.

The reason the insurance payout is so low is because what the Goonies did, and help to do today, to drive the price of moon goo up.

And no, no one should have to deal with that.

CCP needs to reevaluate the insurance payout, as most of the ships don't factor the basic mineral costs in the first place -- and players can't do anything if it's empty (as often the rigs/modules/weapons can cost more than the ship itself).

If your house burned down, the insurance company isn't just going to pay for the reconstruction of the house, as policies cover the contents in the house, too.

One method of changing it is basing the payout based on how RL auto insurance operates. If you keep getting in wrecks the premium increases and increases. If you're a "good driver" the premiums decrease.

Blobs shouldn't be rewarded for using tech 1 cheap ships. It defeats the reason to skill up. They need to feel what everyone else feels when their 200+mil ship is destroyed.

So, cheaper rates and higher payouts for those with a history of less "accidents" (and take the necessary precautions in having a ship). Those who continue to lose ships just because "I CAN!!!", face the reality of real insurance (in reality, carriers will drop you as a client, too).

People want EvE to be difficult, so let's have some more reality in the game.

...Words right out of babes mouths...

And yet another loophole to plug. Because in reality, you can't drive without insurance (CCP never adjusted the insurance to meet reality).

I'm all for making EvE a difficult game, with all the issues and consequences faced in RL.

Adult game = adult rules.

…it's meant to be low, so you can take the tinfoil hat off — it only amplifies the mind control rays anyway.

Oh, and insurance prices are already market-driven so if someone drove the prices up, the payouts would go up too.

This has already happened.

No, that's a pretty awful idea. EVE insurance is not a business — it's a game mechanic intended to encourage ship loss. If anything, it should work the opposite of how real insurances work: the more you lose, the higher your payout.

Indeed it will:

“Ship insurance will now revalue itself periodically based on a trimmed mean of the ship's manufacturing materials global market weighted average prices. For more info, see The Circle of Life dev blog by CCP Chronotis.”

So no. Goons (or any other powerblock you're tinfoiling about) have SFA to do with the insurance you get from T2. The change you're asking for has already happened.