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insurance
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admaril bluebeard
Avery Film and Sound Studios
#1 - 2012-07-06 17:03:19 UTC
I don’t Know how many others that are sick of CCP never getting the concept of insurance correct, in the real world you have a choice of basic and premium like eve insurance use to be, you paid a big premium so if your ship got blown away then you could replace it, as the premium paid covered the cost you would think ccp think eve money is real the way they withhold it from players. before the monument revolutions hulk insurance was almost the cost of a hulk. but you had to cover about 15 percent of new cost yourself, but now it does not even cover the materials to make one, when I returned to eve and found my region quite as a mouse only seeing a few players I have wondered why, now I know. as a multi account player I made mistake of activating all my accounts at once before seeing if they fixed the problems its worse ,now I regret it as the hulks I have can’t get the insurance to risk them even insured so what’s the use of having them if you can’t get decent insurance .

Personally I think ccp are incapable of making a interactive insurance program (sub routine ) that keeps up with the rise and fall of the costs of ships or they are just lazy, when I started I found it hard to believe the fact you could not insure for its worth, but now they don’t even give the mineral worth anyone that feels the same way about the insurance for god’s sake voice your opinion and tell them to fix it and the hulk is the best example as it’s a common ship in eve yet without insurance worth the risk of using them. it costs many hours to earn these ships yet without insurance I’m not using them what about you ?
Also ccp its very easy to write this sub routine it’s a basic program I could have written it 35 years ago so why can’t you write it now
CryQuestion

so ccp you say you are trying to fix eve so why dont you fix the problem that has peved many players since the begining the dam insurance i dont mind paying big premiums as long as they cover the cost to replace them its not real money ccp so whats the problem
admaril bluebeard
Avery Film and Sound Studios
#2 - 2012-07-06 17:06:10 UTC
pss if you want i can get my young son to write it for you as even he could write such a sub routine a 15 year old could write it for you
Barbara Nichole
Royal Amarr Institute
Amarr Empire
#3 - 2012-07-06 17:57:29 UTC  |  Edited by: Barbara Nichole
I agree that something should be done to fix insurance.. but CCP are in a tricky position.. insurance fraud problems have to be avoided unless the insurance program is not run by NPCs. Some loss will always be a fact of life.. but the way it is now it's like premium insurance pays for tire replacement after you total your porche.

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

[IMG]http://i12.photobucket.com/albums/a208/DawnFrostbringer/consultsig.jpg[/IMG]
Simi Kusoni
HelloKittyFanclub
#4 - 2012-07-07 00:03:55 UTC
I agree that something should be done to fix the insurance problem.

Removing it altogether for everyone except newbies sound good?

[center]"I don't troll, I just give overly blunt responses that annoy people who are wrong but don't want to admit it. It's not my fault that people have sensitive feelings"  -MXZF[/center]
Corina Jarr
en Welle Shipping Inc.
#5 - 2012-07-07 01:18:48 UTC  |  Edited by: Corina Jarr
Really, as it stands (and the way CCP described it) Insurance should really be called Mineral Salvage Refund or some such.

Because thats all it is. A refund on the cost of minerals used.


Also, if it were done like a real insurance company not many people would be covered (more than two payouts and prices would get way too high).

Edit: also OP, CCP decided than insurance only covers cost of minerals, not the player mark up.
admaril bluebeard
Avery Film and Sound Studios
#6 - 2012-07-07 02:47:46 UTC
Barbara Nichole wrote:
I agree that something should be done to fix insurance.. but CCP are in a tricky position.. insurance fraud problem have to be avoided unless the insurance program is not run by NPCs. Some loss will always be a fact of life.. but the way it is now it's like premium insurance pays for tire replacement after you total your porche.






this is the biggest joke excuse they have used for years but to cut insurance to were you don’t even get mineral cost for god’s sake ccp its not real money get that one fact through your head and eve might get fixed in the real world they have the same problem but as my fellow player has just stated were paying a premium payment to get a tyre replaced when we total the car this might be why you country got ripped off recently as no one there understands real insurance and example of real insurance I pay 400 a year to insure a truck for 14,300 agreed value which is more than the car is worth but I pay more in premium about 100 more so the extras are covered you say it was fraud but people were covering the extras that’s all that’s the concept of paying for insurance I think it’s the reason the boon docks out here have gotten quite as no one can insure their ships and are staying in 0.0 sec to stay save even I am and in my spare time I’m going to restart the monument revolution again
Insurance is to cover the full cost off the ship and if you get some fraud well then you’ve got it right as that’s what happens out here in the real world

it’s not real money so what’s the problem all your doing is killing the game why are people going to play if the insurance does not give you a replacement that’s what is insurance is all about full replacement and premium should cover the cost of extras you should even have a section that asks value of extras so they can be insured

CCP and all concerned Its not real money so what’s the problem

Here is a tip to all players rename your ships to “fix insurance” and then take your battle craft to the nearest monument and start firing on it till CCP fix the insurance problem
admaril bluebeard
Avery Film and Sound Studios
#7 - 2012-07-07 02:51:42 UTC
Corina Jarr wrote:
Really, as it stands (and the way CCP described it) Insurance should really be called Mineral Salvage Refund or some such.

Because thats all it is. A refund on the cost of minerals used.


Also, if it were done like a real insurance company not many people would be covered (more than two payouts and prices would get way too high).

Edit: also OP, CCP decided than insurance only covers cost of minerals, not the player mark up.




that’s the way real insurance works you get covered to cover the full replacement cost I have three cars two vans I 4*4 for my vans insurance is cheap as they know van drivers drive safe yet my four-wheel drive insurance is much costlier yet I still get full replacement cost
admaril bluebeard
Avery Film and Sound Studios
#8 - 2012-07-07 03:06:05 UTC
[url]http://www.allianz.com.au/[/url]


that link ccp is to a real insurance company give them a ring and ask them what would happen if they did not cover the full cost of insurance and it might explain why some players are quitting eve n again
people are not going to continue to risk high cost ships in any space if they are not going to be covered under the insurance I’m sure someone in ccp wants to sabotage eve as since I’ve been away insurance has become a massive joke all I can afford to do with my ships is leave them in dry dock and jump in my
Battle craft and find the nearest monument and start a new protest

I’m sorry CCP I don’t put 20 hours work of 8 toons to earn enough to buy just one hulk to get it blown away in high sec and then work more to replace it. It has become a joke or are you trying to remove all the old players fix the dam insurance


that’s the way real insurance works you get covered to cover the full replacement cost I have three cars two vans I 4*4 for my vans insurance is cheap as they know van drivers drive safe yet my four-wheel drive insurance is much costlier yet I still get full replacement cost I’m not going to pay insurance just to get the cost of one laser back wake up CCP this is why payers are not playing this is why one of the busiest sectors of space is like playing find a player and win a prize it use to be you had twenty players shooting same ice rock but now I’ve seen just 3 players in 8 days something is wrong ccp and its insurance as i have done what you have not i have asked players ccp players your income
mxzf
Shovel Bros
#9 - 2012-07-07 03:10:24 UTC  |  Edited by: mxzf
admaril bluebeard wrote:
Corina Jarr wrote:
Really, as it stands (and the way CCP described it) Insurance should really be called Mineral Salvage Refund or some such.

Because thats all it is. A refund on the cost of minerals used.


Also, if it were done like a real insurance company not many people would be covered (more than two payouts and prices would get way too high).

Edit: also OP, CCP decided than insurance only covers cost of minerals, not the player mark up.




that’s the way real insurance works you get covered to cover the full replacement cost I have three cars two vans I 4*4 for my vans insurance is cheap as they know van drivers drive safe yet my four-wheel drive insurance is much costlier yet I still get full replacement cost


And if you were to take any of your vehicles into a demolition derby every weekend (which is about what undocking in the PvP world of Eve is), your insurance rates would instantly go through the roof, right before they start refusing to insure you at all. The RL insurance analogy falls apart very quickly once you start looking at it.

The bottom line is that Eve insurance just can't work like RL insurance, so don't expect it to. Insurance payouts are based off of the mineral value of the ship itself, and are designed to give you ISK to get going again. However, they don't account for manufacturer/trader markups or T2 materials used in making the ship, so they aren't going to just hand you enough ISK to buy and fit another of the same hull, that's just not how it works.

tl;dr: Get over it, CCP built the system like this intentionally and it isn't going to change any time soon

Oh, and highsec was never intended to be a magical safe area where no one can be mean to you. The reason you see fewer miners mining isn't insurance payouts, they've been about the same for mining ships for many years. The reason fewer people are mining is that other people are offering ISK for people to kill mining ships. It's economic warfare in the sandbox of Eve. However, it's still quite easy to mine in safety if you actually are smart about it.
admaril bluebeard
Avery Film and Sound Studios
#10 - 2012-07-07 03:14:02 UTC  |  Edited by: admaril bluebeard
Corina Jarr wrote:
Really, as it stands (and the way CCP described it) Insurance should really be called Mineral Salvage Refund or some such.

Because thats all it is. A refund on the cost of minerals used.


Also, if it were done like a real insurance company not many people would be covered (more than two payouts and prices would get way too high).

Edit: also OP, CCP decided than insurance only covers cost of minerals, not the player mark up.



you and ccp need to remember it’s not real money its game money and in the real world you get opion to cover the extras so what if some people take risks and get there ships blown up when they try to enter the low sec at least they risked it but now no one risks it that’s right low sec is ruled by ccp workers who don’t want to share the rare minerals so if you can’t get your ships replaced no one will risk low sec did you players ever think that might be real reason for s h i t t y insurance that’s what a lot of newbie’s don’t even realize that ccp workers all play eve so they have cheat codes and for sure that’s why they fly titans and you only fly battleships

and its why ccp has not made a comment as they dont want to fix this as if they do treal paying players will go into low sec and steal their rare mineral wealth
mxzf
Shovel Bros
#11 - 2012-07-07 03:16:31 UTC
admaril bluebeard wrote:
you and ccp need to remember it’s not real money its game money and in the real world you get opion to cover the extras so what if some people take risks and get there ships blown up when they try to enter the low sec at least they risked it but now no one risks it that’s right low sec is ruled by ccp workers who don’t want to share the rare minerals so if you can’t get your ships replaced no one will risk low sec did you players ever think that might be real reason for ****** insurance that’s what a lot of newbie’s don’t even realize that ccp workers all play eve so they have cheat codes and for sure that’s why they fly titans and you only fly battleships

and its why ccp has not made a copmment as they dont want to fix this as if they do treal paying players will go into low sec and steal therir rare mineral wealth


Shocked I can't even begin to fathom the amount of tinfoil that went into your hat ....
admaril bluebeard
Avery Film and Sound Studios
#12 - 2012-07-07 03:18:40 UTC
mxzf wrote:
admaril bluebeard wrote:
you and ccp need to remember it’s not real money its game money and in the real world you get opion to cover the extras so what if some people take risks and get there ships blown up when they try to enter the low sec at least they risked it but now no one risks it that’s right low sec is ruled by ccp workers who don’t want to share the rare minerals so if you can’t get your ships replaced no one will risk low sec did you players ever think that might be real reason for ****** insurance that’s what a lot of newbie’s don’t even realize that ccp workers all play eve so they have cheat codes and for sure that’s why they fly titans and you only fly battleships

and its why ccp has not made a copmment as they dont want to fix this as if they do treal paying players will go into low sec and steal therir rare mineral wealth


Shocked I can't even begin to fathom the amount of tinfoil that went into your hat ....



with that quote i tell you are a newbie
mxzf
Shovel Bros
#13 - 2012-07-07 03:20:32 UTC
admaril bluebeard wrote:
with that quote i tell you are a newbie


Of course. Because playing for three years, being part of a sovholding alliance, and actually knowing how to think makes me a complete and utter newbie. Roll
admaril bluebeard
Avery Film and Sound Studios
#14 - 2012-07-07 03:22:22 UTC
mxzf wrote:
admaril bluebeard wrote:
with that quote i tell you are a newbie


Of course. Because playing for three years, being part of a sovholding alliance, and actually knowing how to think makes me a complete and utter newbie. Roll

that explains your charatyers only 5 months old
admaril bluebeard
Avery Film and Sound Studios
#15 - 2012-07-07 03:23:50 UTC
mxzf wrote:
admaril bluebeard wrote:
with that quote i tell you are a newbie


Of course. Because playing for three years, being part of a sovholding alliance, and actually knowing how to think makes me a complete and utter newbie. Roll



the concept of making comments is they should be constructive ie about the insurance
Barbara Nichole
Royal Amarr Institute
Amarr Empire
#16 - 2012-07-07 03:38:31 UTC  |  Edited by: Barbara Nichole
admaril bluebeard wrote:
it’s not real money so what’s the problem all your doing is killing the game why are people going to play if the insurance does not give you a replacement that’s what is insurance is all about full replacement and premium should cover the cost of extras you should even have a section that asks value of extras so they can be insured

CCP and all concerned Its not real money so what’s the problem

sure, it's not "real" money... so game balance isn't that important because it's not real then.. lp is not real credit for money either..... the market isn't real and the ships that explode are not real either... so what you're saying is because it's not real it's ok to allow exploits like the recent goon 5 trillion isk FW exploit...?

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

[IMG]http://i12.photobucket.com/albums/a208/DawnFrostbringer/consultsig.jpg[/IMG]
Corina Jarr
en Welle Shipping Inc.
#17 - 2012-07-07 03:42:42 UTC
OP will you stop double posting, if you want to say something else just edit your post.


1) it isn't real money, correct. But the in game market (which some people play the game for) relies on semi equal income vs outgoing isk for it to remain stable. Otherwise, the game could end up falling apart and becoming pointless to a large number of players.

2) my brother had his car (which was priced at $15k when he got it) destroyed while in a lot when it was run over by a bus. He got $4k for it. Not a replacement. Not the original value. Be glad you at least can get near full value for T1s.
admaril bluebeard
Avery Film and Sound Studios
#18 - 2012-07-07 07:18:45 UTC  |  Edited by: admaril bluebeard
before you kids that have never had to insure before commenting on insurance go and ask your parents why we insure things to replace it and if your family are not smart enough to insure for agreed value then teach them there is a policy called agreed value so they get what they insure for it should be the equivalent of premium see in insurance world if they only paid you the value of the scrap no one would insure they’d just sell it for scrap and that’s stupid to believe that the scrap value is insurance value sometimes I think it’s the 13 year olds running the ccp games and not adults so here is a lesson in insurance for the kids that play eve and comment on something they don’t understand
1 insurance is so that if your property is stolen damaged or wrecked its replaced or restored to its former value there are different levels of insurance basic which is called market value if you insure market value your nuts as all insurance dealers say the value of the car drops thousands the moment you buy it well that’s because they think that there are many idiots out there that believe this then there’s normal insurance were you agree to the value you are insuring the car for say 14,000 when its wrecked you get 14,000 then there’s a premium that is a agreed valued policy that covers all the extras which is how smart people insure see they know that all the money the insurance company saves on the suckers that only insure for on basic they are able to reap if you pay more for you insurance.

But in eve they are charging premium price to insure the value of what u get for scrap that in the real world would never happen as the insurance company would not sell policies so if your dumb enough to insure a 240 million dollar item for just 60million and you paid 22 million for you policy then you a raving lunatic or idiot for doing it so if you think eve is offering great repayments for insurance you are either 6 years old or you are one of the many idiots insurance company’s rip of ever year me I insure for the max I pay a bit more but when I have a wreck I get paid and if they don’t pay then I take them to court and win and get extra for stress of them not paying me what they agreed as they are smart enough to pay the people that insure for what the car is worth and pay more but if you are a idiot and pay premium for insurance and only get back just enough to replace one of three mining lasers then you are a fool sorry but I just got sick of kids that don’t understand insurance .

But what ccp have done they want us to accept to pay a premium price for scrap its not worth insuring and as eve has gotten more dangerous insurance is far more important than the fact of insurance is ridiculous at least before I quit and came back you could get all but 15 to 20 percept back so paying a few extra million was not a problem as you could get back to normal very quick but they want you to slave to rebuy new ships that’s call restricting your growth and by doing it players won’t venture out into were ccp staff have full rule and cheats so they get the valuable ore work it out you young ones they are ripping usa all of so they don’t lose hold over there rare ore its just like in the real world when oil company’s buy out new electric generators that would put them out of business see the want the titans and us to just be able to afford a new battleship every now and then so grow up and learn this is insurance not eve insurance they should call it we don’t insure we just buy your scrap
admaril bluebeard
Avery Film and Sound Studios
#19 - 2012-07-07 07:50:06 UTC  |  Edited by: admaril bluebeard
Corina Jarr wrote:
Really, as it stands (and the way CCP described it) Insurance should really be called Mineral Salvage Refund or some such.

Because thats all it is. A refund on the cost of minerals used.


Also, if it were done like a real insurance company not many people would be covered (more than two payouts and prices would get way too high).

Edit: also OP, CCP decided than insurance only covers cost of minerals, not the player mark up.


now before making this coment i would have done some pricing the mineral cost is almost as much as hulks cost how do i know i make them
Bobo Cindekela
Doomheim
#20 - 2012-07-07 08:00:38 UTC  |  Edited by: Bobo Cindekela
comprehensive insurance should
1. cause all cargo and modules to be destroyed when the ship is destroyed.
2. replace the ship as fitted and cargo
----a. in the next station your pod docks in.
----b. or in your med clone station if you are podded.

your premium should rise the more ships you lose, at least for "comprehensive"

no xploit as far as i can see.

lower tier of insurance without premium increases should just replace hulls, scrap payouts all together and you scrap all the exploits.

You are about to engage in an arguement with a forum alt,  this is your final warning.
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