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Wrong Insurance payout?
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Amanda Chan
Garoun Investment Bank
Gallente Federation
#21 - 2016-06-01 05:35:06 UTC
ShahFluffers wrote:

It is a balancing thing.

When you buy expensive ships and equipment that are "better" than the regular Tech 1 variants, you are effectively "not poor" and "not a newbie"... the people the insurance system is supposed to assist.
The thinking is, if you can buy an expensive ship, you SHOULD be able to afford the loss of that ship.

Another thing to consider; if you could take out insurance on an expensive ship and get more or less the full hull value back when it dies... why would you ever fly anything less expensive ever again?
"Flying expensive" is a penalty in of itself.


Capital pilots would like to have a word with you. They are neither poor nor newbies...usually.

Regardless. If it's not a tech 1 hull then 90% of the time it's not worth insuring.
The Bigpuns
United Standings Improvement Agency
#22 - 2016-06-01 13:26:53 UTC
I build ship for 11 mil isk.

I insure ship for 240 mil isk.

I undock in ship, have an alt blow it up, and profit.

Repeat.

The reason this cycle does not occur in rl, is that not many people build their own cars (despite a glut of materials on the market), and also this behaviour would get them arrested.
Gimme Sake
State War Academy
Caldari State
#23 - 2016-06-01 14:39:37 UTC  |  Edited by: Gimme Sake
The Bigpuns wrote:
I build ship for 11 mil isk.

I insure ship for 240 mil isk.

I undock in ship, have an alt blow it up, and profit.

Repeat.

The reason this cycle does not occur in rl, is that not many people build their own cars (despite a glut of materials on the market), and also this behaviour would get them arrested.



If you could build a 240mill isk ship for only 11mil then you would prob sell it not destroy it because insuring it also costs.

"Never not blob!" ~ Plato
Serendipity Lost
Repo Industries
#24 - 2016-06-02 02:54:23 UTC
True story. I haven't insured a ship since 07/08 (somewhere in there). Feel free to check my kb - I've lost a few isk worth of ships between then and now. My point? I'm pretty lazy when it comes to making isk and yet I'm semi space rich despite not insuring my ships. My other point? If the insurance payout amount is on the break even point of your eve experience you're bad at eve or at a minimum doing it wrong.

Insurance should just be removed from the game. It's not needed and it doesn't really do anything for the game. Like I said, if you NEED insurance to be able to pvp (risk ships in any manner) then you're bad at the game or doing it wrong.

If you're arguing about insurance payouts in the name of 'fairness' - take a few steps back, look around, I mean really look around - "fairness" isn't exactly a cornerstone of this game (nor should it be).

Math: You pay a little, and if you screw up you get a lot. Is that a system you really want to mess with?
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