Player Features and Ideas Discussion

I don't use it because it seems overpriced, but understand why it is - so that it is not exploited.
It doesn't cover Faction ships correctly and overall just seems like a poorly constructed system.

Here's the fix.

1) Separate PVE and PVP insurance option.
You can buy "Killed by" Coverage. One cost for PVP and the Other PVE. PVE is obviously cheaper.

2) You buy it for the type of ship and not that exact ship.
That way if you sell the ship or let an alt borrow it, you don't lose the value of insurance paid, when you get it back.

3) You get an Insurance RATING based on your prior history of "Killed by" claims.
If you suck at PVP, then your insurance rate goes up.
If you suck at PVE, then your insurance rate goes up.
Likewise if you're amazing and don't die, then you save money.

4) Module Insurance
You can insure modules and rigs.

5) Transporter Insurance
for truckers, price based on value of cargo. Blanket coverage for a period of time (monthly) and per incident.

Overall, if a character tries to exploit the system, they will eventually not have insurance available to them where it would be worth having at all; other words - they will price themselves out of insurance.

It's pretty much in the state of removal now anyway. I don't know of any one who uses it now.

The only way ship insurance is ever going to be remotely relevant is if the "extra materials" that have been added to so many ships are removed. Unfortunately this may never happen. Ever.

Okay, so nice to meet you... I now know of one person.

I have a typhoon pilot that I just checked the insurance on.

1) default coverage is 40% of ship value; according to Wiki. = Approximately 40m
2) Platinum costs 25.6m to insure and pays out 85.4m = 59.8m benefit over cost.

so with the above example, I will gain 19.8m ISK if I lose my ship within the loss guidelines.

Issues; If I contract someone to move my ship, I lose., If I repackage my ship to move, I lose. If my alt borrows it I lose, if it's not corp insurance or my alt's not in my corp. The worst part is the expiration of insurance after a period of time... so then you lose all together.

Too little payout for the costs and it doesn't cover mods, and the hull is most often cheaper than the mods.

Perhaps if you manage and monitor your insurance you may come out ahead if you get blown up, otherwise you most likely will lose isk on the transaction if you don't die on every other undock.

20M for clicking two buttons. Sweet deal if you ask me.


I agree, this part of insurance sucks. Insurance should stay attached to the ship even if it changes hands.


You have to default on insurance three times to actually lose more ISK than you get when you die. That means keeping the same ship alive for nine continuous months. As I said above, if you do any sort of combat, this simply does not happen. In fact in all my time playing EVE I only had insurance expire twice.

Perhaps for running missions in highsec with a basic degree of competence or something this is different, but then insurance isn't really aimed at you. Insurance as it is now isn't there for the once-a-year chance you get ganked for no reason to fully replace your ship. Insurance is there to give you a hand when you die in a fight so you can replace your ship easier.

In fact, NPC insurance should never cover your entire fitted ship or even come close to - that would make losses meaningless. Do you want full ship replacement? Join a corp or alliance that provides that.

It's not that I need insurance, it's that insurance isn't what INSURANCE is in the sense of returning equal value for loss.

PVE players should not be excluded from risk management options. Too often this is done.

I completely understand your point of view, but it is missing the general principles of carrying insurance and that is to.

Mitigate Catastrophic Loss and Return Reasonable Value and the return the insured to a place they where prior to the event.

It is completely independent of other risk management options such as you mentioned.

Look at driving your car in RL, or home insurance, etc., and apply the principles you just mentioned to that variable and see if your concept holds weight. If it worked like you mentioned, no teenager would be allowed to drive (compare to new player).

The compelling reason is simple.

Players would have more fun! There is currently too wide a variance in player wealth and gangs rule as a result. Insurance is just another variable in risk taking.

If it would just insure the actual value of the hull for T1 hulls (100% not 80%) and change based on the estimated market value (using the prices used in the new KMs) insurance would be greatly improved.

Well Bounties are worthless truly, so no issue there at all really.
Most just laugh at a bounty and encourage bounties on their head.
I've found the only real value a bounty has is the notification process to know when you're new friend died.

but bounties are another thread entirely