EVE General Discussion

1. Suicide gankers get no insurance. Insurance is invalidated by CONCORD.
2. Maybe you shouldn't move more ISK than you can make in a month around then.

Several people here gave you advice on how to avoid getting ganked. Have you tried any of them? There are plenty of ways to avoid getting ganked but if you expect EVE to become zero impact from loss and inability to adapt you are going to wait for a very long time. Learn from your mistakes and use advice from more experienced players.

Actually it does, if you adapt to the game you don't tend to claim on your insurance, hell most of us don't insure our ships at all, because we follow rule #1 of Eve.

This.In HS usually insurance is a waste of money so I just stopped using it. And if something goes boom, well, it's EVE.

Insurance is not meant to be your piggy bank. That is PLEX.



The forum community tends to frown on people that come here asking for free isk. The community is also interested in helping those that ask, and this thread is proof of that.

You admitted you are new, stating your problem is going bankrupt, and suggested that the insurance system needs to be tweaked so that you won't go bankrupt.

The community (correctly) pointed out that your problem is actually flying what you can't afford to lose, as well as not taking defensive measures to avoid the gank in the first place (dying an hour later in the same system to the same ganker isn't helping your cause here).

You keep trying to steer the conversation back towards insurance, but insurance isn't the problem, you dying is the problem.

Knew it, welcome to high sec complaint thread number 4,612,492.

Next month makes 10 years I played EVE, and I've played off and on in high sec, and even now use high sec to move stuff around. My ganking 'bill' so far has been exactly 2 shuttles and one implant-less pod.

If you've lost 2 actual ships to ganks in 70 days it means 2 things: #1 you are doing something really really wrong and #2 you are failing to learn from your mistakes. Insurance is the least of your concerns, you shouldn't NEED insurance at all. Fix those 2 and you fix your overall enjoyment of the game.

This.

About the same price, massively harder to kill if fitted properly and has good offence for a mining ship. The downsides are a smaller ore hold so you're docking to unload more often and slightly less yield, upsides are that you probably won't be replacing it any time soon and you get to watch other people explode because they're flying retrievers.

insurance used to be static and at one point the payout was more than what the ships were worth. and that is why insurance is the way it is now. Also tying it to market value is a very bad idea as players can manipulate that far easier than the mineral market. It also adds a risk to using t2, t3, and faction ships.

Also if you look at the sink/faucet graph players spent 4T on insurance in March, and Pend paid out 7.465 T adding a bit over 3T isk to the economy. http://cdn1.eveonline.com/community/MER/Mar_2017/9a_sinksfaucets.png

The system lessens the sting of a loss but does not remove it, which is more or less how it should be

The forums are what the forums are. However you can still glean some helpful advise under all the snarkieness.
Insurance is horrible. It is designed to be for reasons already stated. I stopped insuring my ships when I learned how not to lose them so easily. If the Hurricane is proving to be too much for you to lose, step down to the Stabber, Rupture or Bellicose (all fine ships, BTW). Work on skills that benefit all your ship types and they will translate into the Hurricane when you re ready for it (and can afford it). I lost my first battleship within about 20 minutes after buying it because I didn't have the skills for the modules to fly it safely. Now I honestly forget to insure my ships when I KNOW they are going on a one way trip.
In all honesty you need to figure out what you did wrong in losing those 2 ships and change tactics. Yes, I know I said what you did wrong because you know there are suicide gankers out there and you did not change things up to mitigate that risk. That's EvE in a nutshell.

As a Newbro with roughly the same time in service as the OP, and a kill/killed record of about 2/15, I'll just say that I have a bit of a different perspective regarding insurance. I have a couple of ships that I insure, as I use them frequently and know the likelihood of losing them is higher. But when I buy insurance, in my mind, I sort of disassociate it from the ship. It's more a separate investment, and a guaranteed one at that. As an example, my Vexor costs me a little over 2 mil ISK to insure (platinum) and pays out close to 10 mil ISK when I get it blown up. So that 2 mil ISK expenditure results in a 400% ROI. Not too shabby. Now sure, it cost me more than that to replace the ship and its' modules, but that ship also generated 10's of millions in ISK while I was using it. The moral here is, a good savings plan early on is your best bet to replace those losses. This takes us back to the old Golden Standard; "don't fly what you can't afford to lose," which I would amend to read "don't fly what you can't afford to replace."

One final point is that while insurance won't cover the cost of a ship you bought, it will more than cover a ship you built yourself. My first Vexor cost me a grand total of 450,000 ISK for a single run BP and about 6 hours of mining the necessary ores. So when I got jumped at the gate in Ami on the way back from Amarr, and my Vexor was sent to the "The Great Scrap Metal Continuum," my killers were rewarded with a drop worth about 14 mil ISK and I made near 10 mil ISK.

So really, it's all in how you choose to look at it. You are going to get killed in New Eden, whether you like it or not. And it will never be at a convenient time, I promise you. Embrace that fact. While I'm not a "victim blamer," I can certainly point out a mistake that I made every single time I've been killed. And with a couple of exceptions, I've not made the same mistake twice. Learn from failure and revel in the journey to "git gud."

Respectfully Submitted.