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More effective insurance
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Lai Lai Shalastringe
Istvaan V
#1 - 2015-09-09 21:02:59 UTC  |  Edited by: Lai Lai Shalastringe
After a google search on "insurance site:forums.eveonline.com" I found out a lot of people talking about it.
From my time in EVE Online I saw a lot of changes on how much it pays, but not on how it works.

One idea I would like to suggest is changing how insurance works instead of tweaking how much it pays. Instead of using a insurance system that follows the general idea of EVE, we could have insurance as one of the reasons to balance that idea in order to get the conflicting goals going.

Instead of paying a ridiculous permissive insurance for freighters and barges, while paying a ridiculous prohibitive insurance for other kinds of ships, tweak the system to pay in a way people are motivated to use ships, but not lose them.

The insurance plan would:
- Cost a little more, but payout even less than paid if you just insure and destroy your ship in the same day.
- Payout would increase by the time you remain with the insured ship until it reaches 10% plus the market average for that ship. It also would pay more as you rig it, and/or repair it.
- Self destruct do not pay insurance.

I would also include a kind of heretic thought here:
- Corporate insured ships can only be repack at corporate hangar.
- Corporate insured ships cannot be traded, by any means.
- Corporate insured ships can only change hands by being delivered from a corporation hangar or deliveries hangar.
Davian Thule Pirkibo
Black Rabbits
Black Rabbit.
#2 - 2015-09-09 21:37:21 UTC
Insurance is to protect new players and idiots from buy a battleship and getting it killed day one, that's why the insurance is so good on a barge, because it's generally used by newer players. Also insurance is based of t1 materials, and is very good for battleships and battle-cruisers, a rapid heavy fit suitonia designed a few months ago, costs 80 mil to replace with insurance so it can serve the role easily for people.
Lai Lai Shalastringe
Istvaan V
#3 - 2015-09-09 22:53:13 UTC  |  Edited by: Lai Lai Shalastringe
Quote:
What this means is that after every set insurance period, an index will be created calculating the trimmed average values for all building materials that are used in the building of ships (minerals, T2 and T3 components) and when a ship is destroyed, this index will be used to calculate the full replacement value of that ship based on the materials required to build it. The player will then receive an amount of ISK that is defined by the:

(value of the ship according to the index) * (percentage of insurance coverage) * (ship type multiplyer)

The ship type multiplier is used to make some ships more expensive to lose then others. For example; a Tier 1 battleship will have a multiplier of 1, therefore receiving the full benefit of the type of insurance bought, but a Titan may have a multiplier of 0.01, thus only granting a fraction of the insurance value. This change will allow insurance to scale along with changes in the market and is meant (among other things) to minimize the risk of insurance fraud.
from Evelopedia


Quote:
It wil take 100 days then for a new pilot to be able to fly a Jump Freighter, and only if this new pilot is completely dedicated to, and only to, fly a Jump Freigher.
from a forum post, confirmed by ingame information panel


o7
ShahFluffers
Ice Fire Warriors
#4 - 2015-09-09 23:44:33 UTC
Too easy to game.

Not supported.

How did you Veterans start?