EVE General Discussion

The insurance system rewards incompetence, you should not be given a single cent for getting your ship blow up. The insurance is also an isk faucet that adds isk to the game for no work required - look at how it was abused when people did insurance scams by self-destructing and making profits.

No only does the seller of the ship gain money, but the Buyer of the ship could make that money back by self destructing it with platinum insurance. Resulting in a doubling of isk in the system.

e.g. Bob buys Rokh from Jill for 140 million. Bob insures platinum ship for 30 million for 140 million back.

Bob take the Rokh to PVP and dies in a fire. Bob gets 140 million back, a net gain of 110 million back in his wallet(lost 30 million + cost of fittings total). Meanwhile Jill gets to keep the 140 million she got from selling the ship.

As a result there is 250 million isk in the game instead of the starting 140 million. Now that is a big increase in the amount of isk within the economy. All it took was the pilot to intentionally or unintentionally lose his ship. Its not like missioning or other PVE which requires work.

Removing insurance of the game will create a more hardcore and more balanced game.

There is without a doubt that insurance injects isk into the game.

It doesn't make sense either.


Combat ships would not have insurance since there is always a high chance of it being destroyed. Any insurance company that did this would go bankrupt in real life.

Besides you should never fly what you can't afford to lose.

Ship destruction ensures the recycling and reduction of minerals used within the game.

Insurance generates isk for the destruction of the ship. The person who sold you the ship doesn't lose any isk. The NPC gives you isk that is generated out of thin air, it didn't come from someone else's pockets, it was generated within the game.



In real life Insurance gives you money from a pool that is generated by fees paid by people who are subscribed to the insurance programs of that company. That money is not generated out of thin air like in this game.

What's the problem in what you describe?

no

And?

110 million isk injected creating 280 million from 170 million. That nearly doubles the amount of isk in the game.

If you double the isk in the game the prices of everything double.

Isk devalues and everything becomes much more expensive.

Insurance may not be as problematic as bounties, but it is still an obvious issue that adds to the problem.


Insurance shouldn't even exist for combat ships since they are used from combat and are highly likely to be destroyed. The insurance company would go bankrupt.

While I agree there is far too much ISK flooding into the game I think from the QEN its not as large as you think, and I think this should be the primary ISK facet at least I expect thats how CCP thought the majoritory of ISK would be generated. I think NPC bounties and incursion payouts are a far more problematic source of ISK

You should not be given a single bit of isk when you risk your ship and lose it. It should be a tougher lesson when losing a ship.

You aren't very bright you know that?
Oh that's right - you don't