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8m isk for Mackinaw insurance?
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Englebert
Hijinxed
#1 - 2013-08-19 07:42:08 UTC
I've just come back to the game and, unfortunately, met the goonswarn alliance for the first time today (in high sec) and, uh, my Mackinaw wasn't insured, but since insurance is defaulted to 40% anyway, I thought I'd get a decent 50-80m isk for my loss. Unforunately, when I checked my wallet, all I got was 8m. I thought that they'd say in one of the updates that insurance was now tapered towards current market prices. But, there's really no accounting for an 8m payout at 40% on a 180m+ isk ship, unless I have got my facts wrong.

Can someone perhaps clear up the confusion?

/Engle
Landrae
The Scope
Gallente Federation
#2 - 2013-08-19 07:46:12 UTC
Insurance rate a severely lower on tech 2 ships. Always have been, to the point it is not worth insuring tech 2 ships.

Welcome to Eve Online
Tippia
Sunshine and Lollipops
#3 - 2013-08-19 07:48:35 UTC
Insurance is based on the market value of the base materials, which for T2 ships is not much, but which in their case is also adjusted based on the ship type.

For a Mack, the market value of the base materials is apparently 20M ISK.
Englebert
Hijinxed
#4 - 2013-08-19 07:56:21 UTC
Okies, I was wondering how that worked. Thx for the replies!

/Engle
Logical Chaos
Very Italian People
The Initiative.
#5 - 2013-08-19 11:02:39 UTC
Ships with the sole purpose of dieing are insured better. Interceptors come to mind. Although better does still not mean good.
MIkhail Illiad
Fevered Imaginings
#6 - 2013-08-19 11:11:37 UTC
Wait til you try to insure a T3, it's sorta depressing. "Right just spent nearly a billion on this thing, better get som... what?!"

There once was an interesting signature here... It has long since disapeared. 
baltec1
Bat Country
Pandemic Horde
#7 - 2013-08-19 11:14:21 UTC
MIkhail Illiad wrote:
Wait til you try to insure a T3, it's sorta depressing. "Right just spent nearly a billion on this thing, better get som... what?!"

Well, slap 600 mil of mods on anything and your wallet gets upset.
ElQuirko
University of Caille
Gallente Federation
#8 - 2013-08-19 16:20:49 UTC
baltec1 wrote:
MIkhail Illiad wrote:
Wait til you try to insure a T3, it's sorta depressing. "Right just spent nearly a billion on this thing, better get som... what?!"

Well, slap 600 mil of mods on anything and your wallet gets upset.


The #1 misconception in EVE is that you need to slap bling onto a T3 in order for it to perform well.

Dodixie > Hek
Unsuccessful At Everything
The Troll Bridge
#9 - 2013-08-19 17:42:58 UTC
Whats insurance?


I don't fly anything I cannot afford to lose.

Since the cessation of their usefulness is imminent, may I appropriate your belongings?
Isaac Collins
Science and Trade Institute
Caldari State
#10 - 2013-08-19 17:48:44 UTC
ElQuirko wrote:
baltec1 wrote:
MIkhail Illiad wrote:
Wait til you try to insure a T3, it's sorta depressing. "Right just spent nearly a billion on this thing, better get som... what?!"

Well, slap 600 mil of mods on anything and your wallet gets upset.


The #1 misconception in EVE is that you need to slap bling onto a T3 in order for it to perform well.

Basically this. My favorite thing to watch though is a proteus or tengu tanking 10 people. Triple reppers are just ridiculous.
Cipher Jones
The Thomas Edwards Taco Tuesday All Stars
#11 - 2013-08-19 22:21:32 UTC
Logical Chaos wrote:
Ships with the sole purpose of dieing are insured better. Interceptors come to mind. Although better does still not mean good.


I cannot think of a better description for a mackinaw better than "sole purpose is dieing".

internet spaceships

are serious business sir.

and don't forget it
Hixeppa
Shamrock Corp.
EDENCOM DEFENSIVE INITIATIVE
#12 - 2013-08-19 22:25:36 UTC
I always wondered if the insurance for T2 and T3 ships reflected the prices CCP wanted them to have.
Ioci
Bad Girl Posse
#13 - 2013-08-20 00:19:57 UTC
As a pragmatist in EVE you learn to fly junk. EVE is a blow stuff up game and the Insurance system is hard coded to materials.

Eventually Goons will figure out how to insurance scam using Margin trading and CCP will have egg on their face again and fix it.

R.I.P. Vile Rat
Sol Kal'orr
The Scope
Gallente Federation
#14 - 2013-08-20 01:59:52 UTC
Hixeppa wrote:
I always wondered if the insurance for T2 and T3 ships reflected the prices CCP wanted them to have.


I highly doubt it. CCP could always rejig things if they wanted T2 and T3 ships to be cheaper. If I had to guess the lower insurance payout is either because a) CCP don't want to work out a system for factoring the values of goo and BPCs into insurance payouts or b) it's intended as an addition to the cost-benefit analysis of flying T2/T3/Faction over T1.
Ken 1138
State War Academy
Caldari State
#15 - 2013-08-20 05:14:29 UTC
I think the only ship that the insurance fits the near ship cost is the Orca.