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Insurance

Author
Vera Algaert
Republic University
Minmatar Republic
#21 - 2012-05-15 06:54:26 UTC
bongsmoke wrote:
Why does insurance not scale due to pricing of the market?

it does.

as has been pointed out before insurance does scale with the price of the minerals used to produce the ship you bought from market.

you will never get rewarded for overpaying, sorry.

.

Tor Gungnir
Sebiestor Tribe
Minmatar Republic
#22 - 2012-05-15 07:29:21 UTC
Maxpie wrote:
I think the better question is why does insurance exist at all? Who the heck would insure combat ships? The Secure Commerce Commission must be the most unprofitable business ever .


So you're saying that my idea to offer the army insurance for their tanks isn't such a great business plan after all...?

Space. It seems to go on and on forever. But then you get to the end and a gorilla starts throwing barrels at you.

Richard Desturned
GoonWaffe
Goonswarm Federation
#23 - 2012-05-15 07:30:51 UTC
Dar Saleem wrote:
Richard Desturned wrote:


and why would this be a good idea


Because there would be mass tears from the gankers on the forums and they are almost as good as goon tears


yeah "tears" are a solid justification for game mechanics changes, you should apply to CCP pronto

npc alts have no opinions worth consideration

Tobiaz
Spacerats
#24 - 2012-05-15 08:14:37 UTC
Mineral prices DO influence the insurance payout.

Unknown factors though are the rate with which these are updated and the scale of the much cheaper minerals in null keeping the payout below ship prices in empire.

Operation WRITE DOWN ALL THE THINGS!!!  Check out the list at http://bit.ly/wdatt Collecting and compiling all fixes and ideas for EVE. Looking for more editors!

Tobiaz
Spacerats
#25 - 2012-05-15 08:16:26 UTC
doublepost

Operation WRITE DOWN ALL THE THINGS!!!  Check out the list at http://bit.ly/wdatt Collecting and compiling all fixes and ideas for EVE. Looking for more editors!

Rico Minali
The Scope
Gallente Federation
#26 - 2012-05-15 09:06:18 UTC
Mr Epeen wrote:
bongsmoke wrote:
Why does insurance not scale due to pricing of the market?

most T1 ships, unless you make them, insurance doesnt even cover but a little over half the value.

I believe the insurance should scale based off the price you pay for a ship, unless made by yourself which then should be a standard setup.


Ganker tears?

Mr Epeen Cool


Wut?

Trust me, I almost know what I'm doing.

Tippia
Sunshine and Lollipops
#27 - 2012-05-15 09:11:23 UTC
Welcome to two years ago.
bongsmoke
Visine Red
420 Chronicles of EvE
#28 - 2012-05-15 21:40:08 UTC
Sigh

If mineral prices dictated what the insurance payouts are, then is CCP to blame for inflation on the market?

A lot of theories, none of them make sense.

Drake = ~50m

Drake insurance payout (Plat) = 32m

So WTF is with the market, either CCP does this to make more money selling plexes, or Goonswarn controls the market too.


I am just using the drake as an example.
Ituhata Saken
Killboard Padding Services
#29 - 2012-05-15 21:45:38 UTC
Dar Saleem wrote:
Richard Desturned wrote:


"ahaha you killed my hulk and I got your catalyst's 100k isk insurance, owned"


Think of that in reverse.

Misterdastardlypirate ganks my hulk

I get insurance payout of 200mil (never lost a hulk so no idea what the payout is)
Insurance company then removes 200mil from Misterdastardlypirate's wallet

If he goes negative he get some form of nasty penalty to.

I as the miner dont get anything extra I still only get insurance, Misterdastardlypirate has to pick his targets even more carefully


If you want to make this more realistic there needs to be an agent who investigates the wreckage and determines who was at fault, not just directly but things like did the victim take proper precautions to prevent it. Then there needs to be months of legal posturing between both insurance companies before a settlement that will likely disappoint the victim is paid out and then both parties insurance premiums quadruple for the next 7 years.

So close...

bongsmoke
Visine Red
420 Chronicles of EvE
#30 - 2012-05-15 21:47:49 UTC
Dar Saleem wrote:
Richard Desturned wrote:


"ahaha you killed my hulk and I got your catalyst's 100k isk insurance, owned"


Think of that in reverse.

Misterdastardlypirate ganks my hulk

I get insurance payout of 200mil (never lost a hulk so no idea what the payout is)
Insurance company then removes 200mil from Misterdastardlypirate's wallet

If he goes negative he get some form of nasty penalty to.

I as the miner dont get anything extra I still only get insurance, Misterdastardlypirate has to pick his targets even more carefully



Hey this is a awesome idea that should be pushed!!!!!!

Thanks! Big smile
Aqriue
Center for Advanced Studies
Gallente Federation
#31 - 2012-05-15 21:49:36 UTC
Change the insurance payout to an insurance charge...as when you blow up you pay the insurance company a little something extra for no real reason. And if your wallet goes negitive, you go GCC and get shot by CONCORD so you can't keep a character in the red (wallet balance) and exploit it. T2 have a 10x charge multiplier, faction have 20x charge multiplier, Battlecruiser have an 8x charge since they are so popular and just because they are so cheap already...frigs and destroyers get a 3 and 5x charge multiplier so you can't just throw them away. Only ship that is charge free is the rookie vessel and the cruiser class is the "standard" next to the "battleship premium" blob ship.

******* awesome idea isn't it? Twisted More ships blow up, more players suddenly becomming risk adverse as their wallet shrinks faster then expected, and the whole problem fixes itself by micro-transaction people buying PLEX from CCP direct.
Karn Dulake
Doomheim
#32 - 2012-05-16 00:28:11 UTC
because of Falcon ofc
I dont normally troll, but when i do i do it on General Discussion.
bongsmoke
Visine Red
420 Chronicles of EvE
#33 - 2012-05-16 04:58:40 UTC
Aqriue wrote:
Change the insurance payout to an insurance charge...as when you blow up you pay the insurance company a little something extra for no real reason. And if your wallet goes negitive, you go GCC and get shot by CONCORD so you can't keep a character in the red (wallet balance) and exploit it. T2 have a 10x charge multiplier, faction have 20x charge multiplier, Battlecruiser have an 8x charge since they are so popular and just because they are so cheap already...frigs and destroyers get a 3 and 5x charge multiplier so you can't just throw them away. Only ship that is charge free is the rookie vessel and the cruiser class is the "standard" next to the "battleship premium" blob ship.

******* awesome idea isn't it? Twisted More ships blow up, more players suddenly becomming risk adverse as their wallet shrinks faster then expected, and the whole problem fixes itself by micro-transaction people buying PLEX from CCP direct.



Sounds like your work for the Icelanders.
Seleia O'Sinnor
Drop of Honey
#34 - 2012-05-16 07:13:55 UTC
Insurances are flawed in Eve. Remove them asap!

Odyssey: Repacking in POS hangars for modules +1,  but please for other stuff too, especially containers. Make containers openable in POS hangars.

Sabotaged
Veritas Vincit
#35 - 2012-06-12 02:55:48 UTC  |  Edited by: Sabotaged
bongsmoke wrote:
Sigh

If mineral prices dictated what the insurance payouts are, then is CCP to blame for inflation on the market?

A lot of theories, none of them make sense.

Drake = ~50m

Drake insurance payout (Plat) = 32m

So WTF is with the market, either CCP does this to make more money selling plexes, or Goonswarn controls the market too.


I am just using the drake as an example.


I totally agree. I can build a drake for 43 million with perfect skills. So you pay 10 million to get 32 million back, build another drake for 43 million.

In the end your out about 20 million isk. It doesn't even cover the modules. I think the payouts should be based on mineral prices at the time you lose your ship. Maybe limit the number of ships or how often you could insure. Why not just be given another ship ie. Redeem?

Personally I think CCP is running an insurance scam. :)
Ris Dnalor
Tribal Liberation Force
Minmatar Republic
#36 - 2012-06-12 02:57:43 UTC
bongsmoke wrote:
Why does insurance not scale due to pricing of the market?

most T1 ships, unless you make them, insurance doesnt even cover but a little over half the value.

I believe the insurance should scale based off the price you pay for a ship, unless made by yourself which then should be a standard setup.



What insurance should really do, is base the payout on how often you lose ships, which means most folks couldn't buy insurance for less than it would cost to buy the replacement ship outright.

https://forums.eveonline.com/default.aspx?g=posts&t=118961

EvE = Everybody Vs. Everybody

  • Qolde
Alavaria Fera
GoonWaffe
#37 - 2012-06-12 03:37:07 UTC
Sabotaged wrote:
I totally agree. I can build a drake for 43 million with perfect skills. So you pay 10 million to get 32 million back, build another drake for 43 million.

In the end your out about 20 million isk. It doesn't even cover the modules. I think the payouts should be based on mineral prices at the time you lose your ship. Maybe limit the number of ships or how often you could insure. Why not just be given another ship ie. Redeem?

Personally I think CCP is running an insurance scam. :)

Given that insurance pays out more than it recieves, we're running insurance fraud, actually.

Triggered by: Wars of Sovless Agression, Bending the Knee, Twisting the Knife, Eating Sov Wheaties, Bombless Bombers, Fizzlesov, Interceptor Fleets, Running Away, GhostTime Vuln, Renters, Bombs, Bubbles ?

Implying Implications
Sebiestor Tribe
Minmatar Republic
#38 - 2012-06-12 03:39:56 UTC
If insurance was removed would people stop PVPing?
Alavaria Fera
GoonWaffe
#39 - 2012-06-12 03:54:52 UTC
Implying Implications wrote:
If insurance was removed would people stop PVPing?

It stopped the gankers, didn't it?

Uh..

Triggered by: Wars of Sovless Agression, Bending the Knee, Twisting the Knife, Eating Sov Wheaties, Bombless Bombers, Fizzlesov, Interceptor Fleets, Running Away, GhostTime Vuln, Renters, Bombs, Bubbles ?

Barbara Nichole
Cryogenic Consultancy
#40 - 2012-06-12 04:22:22 UTC  |  Edited by: Barbara Nichole
Ptraci wrote:
bongsmoke wrote:
Why does insurance not scale due to pricing of the market?

most T1 ships, unless you make them, insurance doesnt even cover but a little over half the value.

I believe the insurance should scale based off the price you pay for a ship, unless made by yourself which then should be a standard setup.


Because insurance payouts are an isk faucet and there is already too much easy isk entering the economy. Yes new players have a hard time understanding that ship destruction actually adds isk to the economy, but it does.


I think what he's saying which is the same thing others have said over and over is that the sink is unrealistic. If it was a faucet you would be making money - which everyone knows there is no danger of happening.

  - remove the cloaked from local; free intel is the real problem, not  "afk" cloaking -

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