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Self-destructing your ship should not give you insurance money

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Parsee789
Immaterial and Missing Power
#1 - 2012-07-25 06:15:37 UTC
Being Concorded no longer gives your insurance - a step in the right direction.

If you purposely self-destruct your ship you shouldn't receive insurance. It simply doesn't make sense.

Its like receiving cash for blowing up my own car.

No insurance company would even consider giving you money for that.
MotherMoon
Tribal Liberation Force
Minmatar Republic
#2 - 2012-07-25 06:28:28 UTC
wow, um, a really good point.

curious what tippia will say

http://dl.eve-files.com/media/1206/scimi.jpg
Xercodo
Cruor Angelicus
#3 - 2012-07-25 06:30:02 UTC
What about WH caps?!

We lose all that money D:

The Drake is a Lie
Parsee789
Immaterial and Missing Power
#4 - 2012-07-25 06:32:00 UTC
Xercodo wrote:
What about WH caps?!

We lose all that money D:



If you live in a wormhole and worrying about a insurance payment from self-destructing capital, you are doing it wrong.
Mag's
Azn Empire
#5 - 2012-07-25 06:33:38 UTC
Parsee789 wrote:
Its like receiving cash for blowing up my own car.

No insurance company would even consider giving you money for that.
Happens more than you'd think, in the UK. People setting fire to their cars, for the insurance money. But I digress.

I tend to agree, but I see this as a whine about SDing more that the insurance. As in the Concord insurance situation, it won't be enough and you'll be back here complaining for more.

Ho hum.

Destination SkillQueue:- It's like assuming the Lions will ignore you in the Savannah, if you're small, fat and look helpless.
Masikari
State War Academy
Caldari State
#6 - 2012-07-25 06:44:10 UTC  |  Edited by: Masikari
Yup, people can torch their own cars and claim on the insurance saying it was stolen/set on fire/etc. How can the insurance company prove that you blew up your own stuff?

Why do you care anyway? Wasn't to do with a Carrier SD'ing before you could blow it up, by any chance?
Chribba
Otherworld Enterprises
Otherworld Empire
#7 - 2012-07-25 07:24:07 UTC
In this case, the black box of the ship would record that SD was activated, so unless you have a friend that loots the black box from the wreck, the insurance company would know you activated SD.

Why not remove insurance completely... make EVE that dark harsh place it is. Also it's not fair that supercaps cannot insure their ships - and ofc even more unfair that the base payout for a titan is like 650m...

/c

★★★ Secure 3rd party service ★★★

Visit my in-game channel 'Holy Veldspar'

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Shantetha
Brutor Tribe
Minmatar Republic
#8 - 2012-07-25 07:44:49 UTC  |  Edited by: Shantetha
I was thinking something similar Chribba, but not quite the same. Lowsec, Null, and wormholes are suppose to be dark harsh places, empire not as much but still dark and harsh.

So ya can loose your ship in Highsec and get a refund. Lowsec you risked and lost and the insurance company is penalizing the pay out for that extra risk. Nullsec you have a corp and alliance and the insurance company isn't going to risk any money out there in the wilds.

So the actual figures might come out something like this.

  1. Highsec hull reimbursement at current insurance prices.
  2. Lowsec 50% of hull reimbursement at current insurance prices
  3. Nullsec/WH 0% of hull reimbursement at current insurance prices.
  4. no insurance on SD irrespective of location in space.
Mag's
Azn Empire
#9 - 2012-07-25 07:49:11 UTC
Shantetha wrote:
I was thinking something similar Chribba, but not quite the same. Lowsec, Null, and wormholes are suppose to be dark harsh places, empire not as much but still dark and harsh.

So ya can loose your ship in Highsec and get a refund. Lowsec you risked and lost and the insurance company is penalizing the pay out for that extra risk. Nullsec you have a corp and alliance and the insurance company isn't going to risk any money out there in the wilds.

So the actual figures might come out something like this.

  1. Highsec hull reimbursement at current insurance prices.
  2. Lowsec 50% of hull reimbursement at current insurance prices
  3. Nullsec/WH 0% of hull reimbursement at current insurance prices.
  4. no insurance on SD irrespective of location in space.
Because high sec needs a buff and low/null needs a nerf? I can see you have your finger on the pulse of Eve. Roll

Remove all or nothing.

Destination SkillQueue:- It's like assuming the Lions will ignore you in the Savannah, if you're small, fat and look helpless.
Malcanis
Vanishing Point.
The Initiative.
#10 - 2012-07-25 08:15:04 UTC
Xercodo wrote:
What about WH caps?!

We lose all that money D:



Go out in a blaze of glory?

"Just remember later that I warned against any change to jump ranges or fatigue. You earned whats coming."

Grath Telkin, 11.10.2016
Malcanis
Vanishing Point.
The Initiative.
#11 - 2012-07-25 08:16:47 UTC
Shantetha wrote:
I was thinking something similar Chribba, but not quite the same. Lowsec, Null, and wormholes are suppose to be dark harsh places, empire not as much but still dark and harsh.

So ya can loose your ship in Highsec and get a refund. Lowsec you risked and lost and the insurance company is penalizing the pay out for that extra risk. Nullsec you have a corp and alliance and the insurance company isn't going to risk any money out there in the wilds.

So the actual figures might come out something like this.

  1. Highsec hull reimbursement at current insurance prices.
  2. Lowsec 50% of hull reimbursement at current insurance prices
  3. Nullsec/WH 0% of hull reimbursement at current insurance prices.
  4. no insurance on SD irrespective of location in space.



Yes there's just way too much PvP going on right now. Also we need to tank mineral demand. GG

"Just remember later that I warned against any change to jump ranges or fatigue. You earned whats coming."

Grath Telkin, 11.10.2016
MotherMoon
Tribal Liberation Force
Minmatar Republic
#12 - 2012-07-25 09:07:37 UTC  |  Edited by: MotherMoon
Chribba wrote:
In this case, the black box of the ship would record that SD was activated, so unless you have a friend that loots the black box from the wreck, the insurance company would know you activated SD.

Why not remove insurance completely... make EVE that dark harsh place it is. Also it's not fair that supercaps cannot insure their ships - and ofc even more unfair that the base payout for a titan is like 650m...

/c


true why not remove insurance. you could even lower the materials needed a slight bit so they cost a little less but have no payout anyways.

well whatever side suggestions, you've really made me think today :/

edit wait why not, for the goal of removing it as an isk creator, just lower the material cost as if all ships were insured. allit does is act like everyone uses full insurance without the isk generation that hurts the econmy.

http://dl.eve-files.com/media/1206/scimi.jpg
Freezehunter
#13 - 2012-07-25 11:08:37 UTC  |  Edited by: Freezehunter
I totally agree, it would help with removing insurance fraud.

Inappropriate signature, CCP Phantom.
Brewlar Kuvakei
Adeptio Gloriae
#14 - 2012-07-25 11:14:02 UTC
EVE insurance is an isk fountain anyway just plain remove it. Eve insurers would have gone bust one billion times over as there premiums would never cover the pay outs. CCP should remove NPC insurance company's and allow insurances company's to become player run. SO no you can't insure your combat ship any more. High sec bears in orca's and freighters would probably still be able to get insured by an other player.
Rakshasa Taisab
Sane Industries Inc.
#15 - 2012-07-25 11:30:07 UTC
They should just gradually lower the insurance payout over a two or three years and then remove the feature completely.

Industry, players and markets should have had plenty of time to adjust.

Nyan
DrSmegma
Smegma United
#16 - 2012-07-25 11:46:32 UTC
Supporting this.

Also give me the option to SD Jita 4-4.

Eve too complicated? Try Astrum Regatta.
Rats
Federal Navy Academy
Gallente Federation
#17 - 2012-07-25 11:53:37 UTC
Brewlar Kuvakei wrote:
EVE insurance is an isk fountain anyway just plain remove it. Eve insurers would have gone bust one billion times over as there premiums would never cover the pay outs. CCP should remove NPC insurance company's and allow insurances company's to become player run. SO no you can't insure your combat ship any more. High sec bears in orca's and freighters would probably still be able to get insured by an other player.



Oh I see the protection rackets in there already, oooh sir that Hulk looks extremely flamable, for a small monthley fee....etc


Lol

Tal

I Fought the Law, and the Law Won... Talon Silverhawk
Two step
Aperture Harmonics
#18 - 2012-07-25 12:00:49 UTC
I've asked about this several times in the past. I agree that it makes no sense, especially when you don't get insurance for getting killed by CONCORD

CSM 7 Secretary CSM 6 Alternate Delegate @two_step_eve on Twitter My Blog
Seleia O'Sinnor
Drop of Honey
#19 - 2012-07-25 12:03:37 UTC
It's a pity that what the insurance pays is tied to the mineral index...oh wait did I just say that?

Odyssey: Repacking in POS hangars for modules +1,  but please for other stuff too, especially containers. Make containers openable in POS hangars.
Lady Ayeipsia
BlueWaffe
#20 - 2012-07-25 12:25:50 UTC
Can I get some of these insurence agents in my indy corp? These guys go into nul, wormhiles, wherever just to verify a ship blew up, and yet we never see them. Their skills must be amazing. So must be their cloaky t3 ships. How else could they do their job?

In other words, the assumption that spaceship insurance works in a manner similar to car insurance on earth. Why assume so? Why try to force a real world concept on a game, especially when the concept doesn't match. It would be far closer to marine insurance to begin with. Or maybe a completely different system. Maybe when you purchase a ship, some of the tax is.invested in a special insurance fund at a high return rate? Or it's just a complex scam? Who knows, but it would not be comparable to car insurance.
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