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Ship Insurance Idea

First post
Author
Frostys Virpio
Caldari Provisions
Caldari State
#21 - 2014-06-14 17:19:55 UTC
Daniel Plain wrote:
Frostys Virpio wrote:
Daniel Plain wrote:
Quote:
Daniel Plain wrote:
i have a better idea: remove insurance from the game.


Insurance pays off for T1 ships, making them relatively cheap to fly compared to more expensive options - this means they're not completely obsolete even when the pilot can fly others ships about.


in other words, insurance prevents people from flying the ships they would prefer to fly.


People would not fly T2 if the loss of a T1 matter enough for them to appreciate the insurance payout. The people most affected by insurance payout are people who would not have the money to risk T2 hulls anyway.

because as we all know, every single T2 hull is more expensive than every single T1 hull.


Because as we all know, everybody in this game is absolutely prevented from flying whatever the hell he want just because it stings less in the wallet to lose a T1 cruiser instead of a T2 frig and there is absolutely no way for player to make a choice based on what they want. People flying cruisers are definitely all want to fly AF and inty but can't because of the insurance payout right.
Atomeon
The Scope
Gallente Federation
#22 - 2014-06-14 23:20:46 UTC
I still remember what happend when insurance was paying too much for the Battlecruisers.
And Battlecruiser isnt catalyst.
Val'Dore
PlanetCorp InterStellar
#23 - 2014-06-15 00:08:08 UTC
I still think they should just dump insurance entirely.

Star Jump Drive A new way to traverse the galaxy.

I invented Tiericide

IIshira
School of Applied Knowledge
Caldari State
#24 - 2014-06-15 00:29:22 UTC  |  Edited by: IIshira
Caitlyn Tufy wrote:
Garviel Tarrant wrote:
If you need insurance to get into fleets you're terrible.


Not get into fleets. Get PEOPLE into fleets.

Now I know why PEOPLE don't join PVP fleets.. If Eve only had better insurance PEOPLE would form these fleets and do PVP as a group rather than solo. Roll
Praxis Ginimic
The Scope
Gallente Federation
#25 - 2014-06-17 21:03:06 UTC
Caitlyn Tufy wrote:
Garviel Tarrant wrote:
If you need insurance to get into fleets you're terrible.


Not get into fleets. Get PEOPLE into fleets.


Have you considered offering an SRP? It is SOP for any mod to large size pvp corp or alliance.

You don't need to be HBIC to offer it either. When I want to FC a welp fleet I just buy all the ships amd fittings myself... thats right... for the whole damn fleet.

Then I send out a corp mail letting people know that I am offering free pew for a roam and that if any one docks up with the ship we are going to laugh at them on TS for being a whimp with someone else's ship.
Adolph Weltschmerz
Deep Core Mining Inc.
Caldari State
#26 - 2014-06-18 17:24:09 UTC  |  Edited by: Adolph Weltschmerz
Daniel Plain wrote:
i have a better idea: remove insurance from the game.



Insurance is a good isk sink. It probably helps slow down inflation.

A

edit: or maybe it isnt... im suddenly unsure
Hakaari Inkuran
State War Academy
Caldari State
#27 - 2014-06-18 17:44:19 UTC
Adolph Weltschmerz wrote:
Daniel Plain wrote:
i have a better idea: remove insurance from the game.



Insurance is a good isk sink. It probably helps slow down inflation.

A

edit: or maybe it isnt... im suddenly unsure

It can function as an ISK faucet, actually. Only CCP knows one way or another, but I suspect it might be a faucet.
Val'Dore
PlanetCorp InterStellar
#28 - 2014-06-19 02:19:08 UTC
Hakaari Inkuran wrote:
Adolph Weltschmerz wrote:
Daniel Plain wrote:
i have a better idea: remove insurance from the game.



Insurance is a good isk sink. It probably helps slow down inflation.

A

edit: or maybe it isnt... im suddenly unsure

It can function as an ISK faucet, actually. Only CCP knows one way or another, but I suspect it might be a faucet.


It's a faucet. Whether you buy insurance or not, more ISK is injected than is removed.

Star Jump Drive A new way to traverse the galaxy.

I invented Tiericide

CCP Rise
C C P
C C P Alliance
#29 - 2014-06-19 15:10:44 UTC  |  Edited by: CCP Rise
To the OP and the situation with the Augoror:

The reason the payout is so low is that the insurance formula doesn't take 'extra materials' in the build cost into account when figuring out the insurance value even though you have to pay for the cost of those materials in the build and market price for the ship.

In the coming Crius release we are going to be able to roll all the old extra materials back into the normal materials for all ships, which is quite a lot as we've had to use extra materials when adding build cost to any ship with rebalanced build cost in the last couple years. After awhile this will mean that insurance payouts will reflect the ship value much more accurately.

Hope that helps!

edit: I'm only like 90% sure about this so I'm going to track down someone and find out for sure

@ccp_rise

Frostys Virpio
Caldari Provisions
Caldari State
#30 - 2014-06-19 16:11:02 UTC
Adolph Weltschmerz wrote:
Daniel Plain wrote:
i have a better idea: remove insurance from the game.



Insurance is a good isk sink. It probably helps slow down inflation.

A

edit: or maybe it isnt... im suddenly unsure


It's not unless a very vast majority of ships gets insured more a few time in their lifetime before getting blown up.
Arronicus
Caldari Provisions
Caldari State
#31 - 2014-06-19 19:25:32 UTC
Hakaari Inkuran wrote:
Adolph Weltschmerz wrote:
Daniel Plain wrote:
i have a better idea: remove insurance from the game.



Insurance is a good isk sink. It probably helps slow down inflation.

A

edit: or maybe it isnt... im suddenly unsure

It can function as an ISK faucet, actually. Only CCP knows one way or another, but I suspect it might be a faucet.


Insurance is by default a faucet; any uninsured ship that blows up, pays out a base insurance amount, effectively, creating isk for the pilot that loses the ship. The only time that insurance is an isk sink, is when a pilot purchases insurance, but does not lose their ship within the 2 or 3 month insurance period (It's been a while since I bothered with it given what I fly)
Bienator II
madmen of the skies
#32 - 2014-06-19 20:25:28 UTC  |  Edited by: Bienator II
CCP Rise wrote:
To the OP and the situation with the Augoror:

The reason the payout is so low is that the insurance formula doesn't take 'extra materials' in the build cost into account when figuring out the insurance value even though you have to pay for the cost of those materials in the build and market price for the ship.

In the coming Crius release we are going to be able to roll all the old extra materials back into the normal materials for all ships, which is quite a lot as we've had to use extra materials when adding build cost to any ship with rebalanced build cost in the last couple years. After awhile this will mean that insurance payouts will reflect the ship value much more accurately.

Hope that helps!

edit: I'm only like 90% sure about this so I'm going to track down someone and find out for sure

what is the reason for having 0 hull costs on SOE, navy BCs and mordus ships on kill reports? (affects bounty, lp payout and corp war statistics and probably even insurance)

how to fix eve: 1) remove ECM 2) rename dampeners to ECM 3) add new anti-drone ewar for caldari 4) give offgrid boosters ongrid combat value

IIshira
School of Applied Knowledge
Caldari State
#33 - 2014-06-19 21:24:02 UTC
Bienator II wrote:
CCP Rise wrote:
To the OP and the situation with the Augoror:

The reason the payout is so low is that the insurance formula doesn't take 'extra materials' in the build cost into account when figuring out the insurance value even though you have to pay for the cost of those materials in the build and market price for the ship.

In the coming Crius release we are going to be able to roll all the old extra materials back into the normal materials for all ships, which is quite a lot as we've had to use extra materials when adding build cost to any ship with rebalanced build cost in the last couple years. After awhile this will mean that insurance payouts will reflect the ship value much more accurately.

Hope that helps!

edit: I'm only like 90% sure about this so I'm going to track down someone and find out for sure

what is the reason for having 0 hull costs on SOE, navy BCs and mordus ships on kill reports? (affects bounty, lp payout and corp war statistics and probably even insurance)


Who gets insurance on a faction ship?Roll It's based on mineral cost so what like 100 mill back for your billion plus ISK battleship?
Voyager Arran
Brutor Tribe
Minmatar Republic
#34 - 2014-06-19 22:11:58 UTC
IIshira wrote:
Bienator II wrote:
CCP Rise wrote:
To the OP and the situation with the Augoror:

The reason the payout is so low is that the insurance formula doesn't take 'extra materials' in the build cost into account when figuring out the insurance value even though you have to pay for the cost of those materials in the build and market price for the ship.

In the coming Crius release we are going to be able to roll all the old extra materials back into the normal materials for all ships, which is quite a lot as we've had to use extra materials when adding build cost to any ship with rebalanced build cost in the last couple years. After awhile this will mean that insurance payouts will reflect the ship value much more accurately.

Hope that helps!

edit: I'm only like 90% sure about this so I'm going to track down someone and find out for sure

what is the reason for having 0 hull costs on SOE, navy BCs and mordus ships on kill reports? (affects bounty, lp payout and corp war statistics and probably even insurance)


Who gets insurance on a faction ship?Roll It's based on mineral cost so what like 100 mill back for your billion plus ISK battleship?


Why would you not, assuming you plan to be taking risks with your ship and you're not in something like a T1 frigate where the payout literally isn't worth the effort of clicking a few buttons? Money is money, and 100 mil isn't nothing even if it's not a new Machariel.
Dally Lama
Doomheim
#35 - 2014-06-20 08:02:10 UTC
Daniel Plain wrote:
Frostys Virpio wrote:
Daniel Plain wrote:
Quote:
Daniel Plain wrote:
i have a better idea: remove insurance from the game.


Insurance pays off for T1 ships, making them relatively cheap to fly compared to more expensive options - this means they're not completely obsolete even when the pilot can fly others ships about.


in other words, insurance prevents people from flying the ships they would prefer to fly.


People would not fly T2 if the loss of a T1 matter enough for them to appreciate the insurance payout. The people most affected by insurance payout are people who would not have the money to risk T2 hulls anyway.

because as we all know, every single T2 hull is more expensive than every single T1 hull.

That is a very stupid response. So much so, I have gone and unliked your initial reply. P
Daniel Plain
Doomheim
#36 - 2014-06-20 13:16:36 UTC
Dally Lama wrote:
Daniel Plain wrote:
[quote=Frostys Virpio][...]
because as we all know, every single T2 hull is more expensive than every single T1 hull.

That is a very stupid response. So much so, I have gone and unliked your initial reply. P

i am shattered.

I should buy an Ishtar.

Val'Dore
PlanetCorp InterStellar
#37 - 2014-06-20 13:53:54 UTC
CCP Rise wrote:
To the OP and the situation with the Augoror:

The reason the payout is so low is that the insurance formula doesn't take 'extra materials' in the build cost into account when figuring out the insurance value even though you have to pay for the cost of those materials in the build and market price for the ship.

In the coming Crius release we are going to be able to roll all the old extra materials back into the normal materials for all ships, which is quite a lot as we've had to use extra materials when adding build cost to any ship with rebalanced build cost in the last couple years. After awhile this will mean that insurance payouts will reflect the ship value much more accurately.

Hope that helps!

edit: I'm only like 90% sure about this so I'm going to track down someone and find out for sure


Why does CCP insist on insurance in the first place? It doesn't promote PvP and it injects ISK into an economy that doesn't need it.

Star Jump Drive A new way to traverse the galaxy.

I invented Tiericide

Carniflex
StarHunt
Mordus Angels
#38 - 2014-06-20 14:20:19 UTC
IIshira wrote:

Who gets insurance on a faction ship?Roll It's based on mineral cost so what like 100 mill back for your billion plus ISK battleship?


If you are losing such sums every little bit helps on getting back to your feet. I spent yesterday around 15 mil insuring a Broadsword. When it dies I will get back about 47 mil. Which is approx 1/6th of the cost of the setup.

Pity the insurance does not take into account the rigs fitted.

And while I'm at it could I perhaps get an opportunity to insure my pod. At my age damn thing costs me 40 mil / pop before any hardware I'm putting in it so I'm feeling a bit stupid when flying interceptors / destroyers / bombers on my main.

Here, sanity... niiiice sanity, come to daddy... okay, that's a good sanity... THWONK! GOT the bastard.

Carniflex
StarHunt
Mordus Angels
#39 - 2014-06-20 14:25:30 UTC
Val'Dore wrote:
[quote=CCP Rise]

Why does CCP insist on insurance in the first place? It doesn't promote PvP and it injects ISK into an economy that doesn't need it.


It takes off some the edge from losing the ship for the younger players.

Here, sanity... niiiice sanity, come to daddy... okay, that's a good sanity... THWONK! GOT the bastard.

Hakaari Inkuran
State War Academy
Caldari State
#40 - 2014-06-20 14:34:52 UTC
Val'Dore wrote:
CCP Rise wrote:
To the OP and the situation with the Augoror:

The reason the payout is so low is that the insurance formula doesn't take 'extra materials' in the build cost into account when figuring out the insurance value even though you have to pay for the cost of those materials in the build and market price for the ship.

In the coming Crius release we are going to be able to roll all the old extra materials back into the normal materials for all ships, which is quite a lot as we've had to use extra materials when adding build cost to any ship with rebalanced build cost in the last couple years. After awhile this will mean that insurance payouts will reflect the ship value much more accurately.

Hope that helps!

edit: I'm only like 90% sure about this so I'm going to track down someone and find out for sure


Why does CCP insist on insurance in the first place? It doesn't promote PvP and it injects ISK into an economy that doesn't need it.

How does it not promote PVP? I can take a T1 ship into PVP and fit it cheaply and confidently know I will get (what is it currently, half?) the hull cost back and only having lost ~20M additional in mods.
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