Player Features and Ideas Discussion

I have mixed feelings about this. And here is why- insuring multiple ships at a time could save you a ton of time. That concept I agree would be awesome to add in for players who love to pvp.

The problem with a better payout is that you're already saving time so it should be the same rate otherwise everyone will bulk insure.

i guess the insurance companies will love profiting from this kind of deals because a capsuleers thirst for variety in pvp can always be relied on.
I think most people wont finish flying all 10x of those ships in time before the insurance runs out.

I somewhat disagree. I feel like depending on the hull of the ship you may be able to afford to fit 10 ships for pvp before insurance runs out. If you can afford to buy and fit 10 ships, you should be able to afford the insurance costs.

I know personally I insure 3 different ships, but they are not dedicated for pvp, and I'm almost counting on them NOT being destroyed. One of the ships I almost do want to be destroyed, although I'm using it to haul expensive items, and the payout for the ship is over twice what I paid for the ship itself as I've owned it for many years (yes this is an alt).

Actually, considering this in the meta of EVE, this might be healthy for PVP, psychologically. Making losing stacks of ships a little cheaper, and then the implied fact of owning a stack of cheaper ships, might encourage people to undock and do crazier stuff with their ships.

Still, it would encourage players to insure in bulk opposed to now. Also the problem becomes how many insurance does it cost? And how much cash does it pay out vs the mineral value.

insurance go away altogether?

That I will respectfully disagree with. My logic is- not all players will loose their ships that they insure. For pvp, maybe it isn't wise to keep insurance available. But then the problem becomes when insurance was bought as protection to alleviate gank costs for expensive ships but relatively cheap fittings (say marauders) and they get removed from insurance protection there is likely going to be a lesser amount of people flying those ships. Personally, I'd insure a Marauder I'm flying if I'm earning isk with it, due to how cost effective suicide ganking them is compared to the value of the ships they'd use to gank me in.

But then on another character, I have a ship that I probably won't ever get the payout for. I'm spending the isk "just in case" I get ganked and loose the contents of the ship rather than the ship itself. Just saying it helps, but ultimately if you never loose your ship, you are loosing isk paying for insurance.

We need mass fitting, we could use mass insurance.

Thank you for cooperation

sure it is about the money. if it weren't about the money you wouldn't worry about insurance in the first place. the reason for insuring something is to ensure you gain a return on something lost. your motivation or intention appears to be just that. about "the money". otherwise group ship insure = good. extra payout for said group insurance = SMH.....no....bad.

but it's not a win-win. it is a auto pick option that would likely break the insurance mechanic as it was originally intended to be used as. if people had this option and it has an extra payout than normal why would anyone ever choose the single option when they can spend a bit more and essentially gain free ships. so no i surely hope this never comes to pass.

however as i said before, i like the idea of group insurance of similar hulls. i am not a fan of extra ships from bonus insurance. as essentially that will negate the need for insurance, and/or all risk associated with actually flying said hull instead of being paranoid and insuring then spinning in station for XYZ time limit of insurance contract.


or better incentive if there was increased insurance payout one could easily abuse the system and gaining ships with less value for the x10 ships but higher overall payout collectively than individually explode them on purpose = reap reward. so technically you could farm free isk [or ships] once you knew how. something i doubt would be a win-win for insurance or the players as well to be fair on EVE's economy and market either. good in theory. not so good in practice.

the group insurance normal payout sounds like a brilliant idea though.