Assembly Hall

Well its not something ive seen much debate about so I figured Id make the topic.

Insurances for Faction, T2, T3 Just isnt worth dealing with. Its better to Insure to PLATINUM but for the price in most cases of doing so could go to Quick replacing during a large fight(for example).
Id like to see some sort of average % off the market value put into the Insurances.
since getting concordokened is no longer a way to get the claim of it, I can't see their being a reason to not change it.

T3 bing a major hit on 3 fronts, (subsystem SP hit, Insurances, Isk) they dont come cheap, and losing them can be a pain and the isk for its platinum is like 1-2% of actual marketed hard-worked value.

true, but the amount you get back, to get into the fight that you lost your ship in, which if its a mission would mean you'd have to ask for isk or cancel the mission or sell something you really wanted to keep.
Non-T1 ships need a lil more then whats is provided from their Platinum. 13mill insurance from a loss of a T3 lost in battle would only give enough to get a ship with Poorest of fittings *(if u consider only having a low Wallet att) it wouldnt be enough to return to battle of mission and would only Marginally be effective in a large scale pvp.

perhaps, but it should still be higher, T1 included.
Otherwise Insuring Anything but T1 is just utterly pointless.

then, why not make the payout automaticly the default.and remove the insurance purposes.
and of course FIXED got abused, this aint a thread for Fixed. its for Market Adjusted % based on the Entirety of Eve's Average percentage used as a stick to give better payout to Non-T1 ships. to actually Give INSURANCE its purpose that it was implemented for.

Op is dense and everything is working as intended regarding faction t2,t3 insurance.

Yes it is...its called don't fly what you can't afford to lose.

I've often supported better insurance payouts for T2 ships, but lately I've begun to see the opposite side of the coin. Flying T2, T3 & Faction ships should be risky in regard to insurance. It comes down to the most basic rule of EVE, don't fly what you can't afford to replace. I know it sounds harsh, but EVE is a harsh game.

Not supporting.

The only thing that isn't working right with insurance IMO is you still get payed if you SD.

Also... not sure about if you get killed by the Faction Police. IMO it should be removed there too.


But for T2/3/faction, its fine. Its based on minerals, not on market averages.

Um, yes its based on mineral prices (give or take a few weeks for adjustment). Thats why T2/3/faction insurance is crap. Their mineral cost is low compared to other factors.

T2 requires in most cases their T1 Counter part,
T3 Requires Materials are mostly in wormholes dropped or found via sleepers and their salvage and materials arent cheap,
Faction sometimes requires other sources of Items (T2 also in that reguard),
and when actually building them they Use MORE minerals then their T1 counterparts.
Therfore is still far out of their Insurance Value.
So I say again how is it based on mineral?
T1 Is a Cushion on insurance, but thats mostly Crusier -to- Some Capitolships.
Faction,T2,T3 Dont have a Effecient use of Insurance to do so. So we go back to my point that it is broken.
The Funciton should be removed set loses of T1 Ship to Default a Platinum pay out. instead of sinking further isk just to get a slightly higher amount back. when your default of non-T1 ships cant even Pay a proper portion of its Counterpart towards it Actual Platinum payout.

@ Drake Draconis, apparently neither are you - atleast I know what im talking about.