Player Features and Ideas Discussion

okay so I suspect that this will get drowned out in the heaps of propaganda on r/eve right now but its worth a shot
Capital insurance is messed up, and as far as I know its always been messed up. For those of you who aren't capital pilots just to give you an idea of what I'm talking about; Lets say your the proud the owner of a moros dreadnaught, you have t2 rigs and a slight bling fit with dead space mods. Okay, now you have owned this particular dreadnaught for more than about 3 months it has survived multiple engagements and has multiple kill marks and a sweet ass skin. For dreads its currently 600-700 mill per insurance payment, you start to lose out after 3 insurance payouts (might be slightly off here but I'm making a point).The rule of thumb for cap pilots is to only insure when you know the cap is going to die. So what usually happens if it survives to many engagements, is that the dreadnaught will be striped and suicide it on the undock or sacrifice to a neutral fleet. The payment system for caps is stupid, it discourages owning a cap and keeping it alive during XX number of pvp engagements.


So this my proposal, rather than add on to the current insurance system (I have a feeling the code is messy). Create a insurance payment plan for capitals. Essentially what this would do is every time you insure your capital, what you paid would get added on to the pay out. Here's an example (I don't have spread sheets in front of me so don't shoot me own for getting the numbers wrong, just try to get the basic idea):

First month

Phoenix hull cost: 3.5 bill

Insurance payment: 600 mill

Insurance payout: 2.8 bill

now every time you make a payment, the pay out goes up.

2nd insurance payment

Phoenix hull cost: 3.5 bill

insurance payment: 600 mill

Insurance payout: 3.4 bill

get the idea? third payment

3rd insurance payment

Phoenix hull cost: 3.5 bill

insurance payment: 600 mill

Insurance payout: 4 bill

okay so with this system the only issue is it discourages people from selling their capital after a certain period of time. But it is not such a big issue as it will open the market for cap builders. Also with the current system insurance is made void when it is the capital is traded or contracted, so this prevents insurance fraud.

With the insurance plan, it would count as insuring your ship once. How it works; once the deadline comes up it would take out isk from your account automatically if you don't have the isk, the insurance would be made void and you would have to start again. The payment plan would be continues, up until the cap either dies or the plan becomes void. Making it like before, more practical to suicide your dread rather than sell it. The difference being with this new system it makes it practical for you to own a dread and insure it for as long as you want. My reasoning behind the payment plan is to make it another isk sink in the game. While at the same time allowing for casual players to own caps, with less of a hit to the wallet for owning a cap. With the citadel expansion coming up, it will make my proposal all the more practical.

I really hope someone from CCP could give input <3