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insureance.
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Sakurako Kimino
School of Applied Knowledge
Caldari State
#1 - 2011-11-18 14:31:22 UTC
ccp made the right step with the no insureance for high sec ganking now i think it is time to remove insurance from the game all together or well maybe give insurance only to trail members only.

1 - t2 & faction insureance is a joke
2 - there is no real loss unless your in a t2, faction or supercap.
3 - would provide the isk sink the game needs
4 - would hurt your targets as they would have to self fund there replacements (corp/alliance also under this)

the game need to be made more cold and harsher.

eve is about sin

Pelador Rova
No Luck Corp
Kenshin Shogunate.
#2 - 2011-11-18 17:14:08 UTC
-1 (argument not presented well and poor reasoning, claims unsupported, inaccuracies)

Give insurance a revamp, perhaps make premiums more expensive or terms shorter. Could even consider lowering payouts for different security areas (high/low/null).

I agree its a shame that insurance for ships can't be calculated based on an average value (as opposed to possibly an initial base value I assume?) so it's relevant to the more expensive T2 ships etc. If CCP expected market fluctuations you'd expect a more sensible way of calculating insurance. Be interested to know the math/mechanics and any design decisions here if known.
ShipToaster
#3 - 2011-11-18 23:42:07 UTC
Pelador Rova wrote:
Give insurance a revamp, perhaps make premiums more expensive or terms shorter. Could even consider lowering payouts for different security areas (high/low/null).


Would be nice to see this. Maybe 10% for high, 80% for low and 100% for null but I think you want it the other way around.

.
Vizvayu Koga
#4 - 2011-11-19 06:01:47 UTC  |  Edited by: Vizvayu Koga
There are many older threads regarding this. I still believe the best/more logical thing to do would be to add standings with the insurance company. Standings should auto-increase gradually with time (if you have insured ships of course) and drastically decrease with every insured ship lost. The standings with the insurance company should significantly affect the cost/payout of insurance. Also payout should be dynamically calculated at the time the ship is lost to prevent abuse.
In short, meaning the more ships you loose (in a definite period of time) the higher the insurance cost and/or the lower the payout.

EDIT: BTW this is a very common practice for car insurance. The better you drive (less tickets) the lower the cost of the insurance.
sYnc Vir
Wolfsbrigade
Ghost Legion.
#5 - 2011-11-19 08:53:34 UTC
People insure ships still? What for they fixed the fraud problem.

I wouldn't care if they got rid of insurance as I stopping insuring all of my ships a while ago. Pointless waste of money.

Don't ask about Italics, just tilt your head.