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Self-destructing your ship should not give you insurance money

First post First post
Author
dexington
Caldari Provisions
Caldari State
#21 - 2012-07-25 12:27:19 UTC
Seleia O'Sinnor wrote:
It's a pity that what the insurance pays is tied to the mineral index...oh wait did I just say that?


So it could be exploited like the FW LP?

I'm a relatively respectable citizen. Multiple felon perhaps, but certainly not dangerous.

Rakshasa Taisab
Sane Industries Inc.
#22 - 2012-07-25 12:30:00 UTC
dexington wrote:
Seleia O'Sinnor wrote:
It's a pity that what the insurance pays is tied to the mineral index...oh wait did I just say that?


So it could be exploited like the FW LP?

Yes, cause blowing up ships lowers mineral demand.

Nyan

Danny Diamonds
Fabricated Reality
#23 - 2012-07-25 12:33:10 UTC
Remove insurance entirely.
Othran
Route One
#24 - 2012-07-25 12:39:04 UTC
Remove the ability to self-destruct would seem to be the best solution.

If self-destruct actually caused area of effect damage to other ships there might be a valid reason for retaining it but it doesn't so there isn't.

Get rid of self-destruct.
Danny Diamonds
Fabricated Reality
#25 - 2012-07-25 12:43:22 UTC  |  Edited by: Danny Diamonds
.
War Kitten
Panda McLegion
#26 - 2012-07-25 13:48:55 UTC
Chribba wrote:


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


This.

Ship insurance is ********. The time limit where it "runs out" is a disincentive to be a competent pilot and not lose your ships.

I don't judge people by their race, religion, color, size, age, gender, or ethnicity. I judge them by their grammar, spelling, syntax, punctuation, clarity of expression, and logical consistency.

Alexzandvar Douglass
Motiveless Malignity
Deepwater Hooligans
#27 - 2012-07-25 13:56:35 UTC  |  Edited by: Alexzandvar Douglass
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.


Null sec is about as dark and harsh as the Small World ride in Disney World. Less Ganking, Less Hostiles, and less Spam. I wish it was Darker, damn sun glare hurts my eyes.
Sotah Osodin
Aliastra
Gallente Federation
#28 - 2012-07-25 15:37:48 UTC
Replace it with mechanics that allow player run insurance companies?
Lyron-Baktos
The Scope
Gallente Federation
#29 - 2012-07-25 15:48:54 UTC
I did not know SD paid out insurance. That should be corrected
FloppieTheBanjoClown
Arcana Imperii Ltd.
#30 - 2012-07-25 15:58:24 UTC
I used to agree with this notion, but then I thought it through.

If you aren't self-destructing in combat, then it would likely be viable to destroy the ship by more "conventional" means (shooting it) in order to get the insurance payment. So removing the insurance payment for SD outside of combat has no practical effect.

If you self-destruct in combat, it accomplishes two things: it denies the attackers a killmail, and it denies them loot as the contents of the ship are destroyed. Were I operating an insurance company, I'd *prefer* a doomed freighter self-destruct and deny the pirates their spoils. It keeps profit out of the hands of bad men who cost me money. I think what is at issue here is the lack of a killmail.

If you generate killmails for SD, then it functions ONLY as a means to deny loot. I find that perfectly acceptable and the victim--who was losing their ship regardless--should be compensated by insurance. The knowledge that a killmail will be made regardless of SD might also encourage cap pilots to fight to the bitter end rather than hit SD as soon as things go bad.

One step at a time, guys. Let's get SD killmails, and then see how things stand.

Founding member of the Belligerent Undesirables movement.

FloppieTheBanjoClown
Arcana Imperii Ltd.
#31 - 2012-07-25 16:00:35 UTC
War Kitten wrote:
The time limit where it "runs out" is a disincentive to be a competent pilot and not lose your ships.


Agreed. I rarely insure my ships.

Founding member of the Belligerent Undesirables movement.

Bloodpetal
Tir Capital Management Group
#32 - 2012-07-25 16:02:50 UTC  |  Edited by: Bloodpetal
Player run insurance would be amusing...

I think the artificial ISK generated by insurance is healthy for regular gameplay, but perhaps it should go down based on the security level of the location you're in?

I think what should probably happen instead is if someone is losing a lot of ships and claiming a lot of insurance, their premium should go up for insuring, meaning they have to pay more for losing more ships. Although this is a bit of a "punishment", it does make a bit more sense in the grand scheme of things, if you're a dangerous pilot your insurer will start to go... WTF?

This should be on the order of tens of ships lost in a span of time, rather than just a couple ships lost.

I lose ships relatively rarely, so I almost never insure, because in the span of 2 insurance cycles I could have bought another XYZ ship for the cost of insuring it. I tend to insure right before I go into a situation that is along the lines of "Yes, this ship is gonna go boom!"

Where I am.

Lin-Young Borovskova
Doomheim
#33 - 2012-07-25 16:03:49 UTC
Parsee789 wrote:
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.




This kind of thread makes no sense, the fact you receive insurance for SD or not it's the owner problem, not yours.
If you can't kill fast enough your enemy before it goes SD just try to be better next time and plz stop crying for something it's not of your business if the guy insured his ship or not.

Don't like it? -don't use it, it's simple.

brb

Dusenman
Sensible People
Sigma Grindset
#34 - 2012-07-25 16:19:56 UTC
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


I can't recall the last time I insured a ship. So this is ok with me. But I wonder how hard this would hurt the newer players?

GM Homonoia: In other words; feel free to use the tactic, but don't be an utter and total ***.

CCP Tallest_: _And by "we have made it so", I mean Punkturis has made it so.

Jiska Ensa
Estrale Frontiers
#35 - 2012-07-25 16:36:35 UTC
This was suggested ages ago when people were still self-destructing to MAKE money off of a ship.

It was also pointed out that if SD'ing didn't pay out insurance, people would just blow up their own ship with an alt.
JamesCLK
#36 - 2012-07-25 16:38:06 UTC  |  Edited by: JamesCLK
Chribba wrote:
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


I'd be in favour of removing the Insurance mechanic entirely along with clone costs; the value of the ship, its modules, and your implants should be the price tag.

SP loss on death would be relinquished to the realm of Tech 3 and possibly some of the more snazzy implants.

e: Of course, removing Insurance is by itself also a step in the right direction...

-- -.-- / -.-. .-.. --- -. . / .. ... / - --- --- / . -..- .--. . -. ... .. ...- . / - --- / ..- -. -.. --- -.-. -.- / ... - --- .--. / .--. .-.. . .- ... . / ... . -. -.. / .... . .-.. .--. / ... - --- .--.

James Amril-Kesh
Viziam
Amarr Empire
#37 - 2012-07-25 16:38:45 UTC  |  Edited by: James Amril-Kesh
If you remove insurance altogether (which I agree with) you should also reduce clone costs for higher SP clones.

Insurance is an ISK faucet.

Enjoying the rain today? ;)

Gritz1
Ice Fire Warriors
#38 - 2012-07-25 17:42:52 UTC
Othran wrote:
Remove the ability to self-destruct would seem to be the best solution.

If self-destruct actually caused area of effect damage to other ships there might be a valid reason for retaining it but it doesn't so there isn't.

Get rid of self-destruct.


So you get pointed in the middle of no where, say, in your pod. And you have no way of self destructing, and now these bad people can hold you there for hours. See a problem?
Bubanni
Corus Aerospace
#39 - 2012-07-25 17:44:39 UTC
Also remove insurance from ships that haven't been insured by the player... so there is no default insurance, you have to buy the insurance first

Supercap nerf - change ewar immunity https://forums.eveonline.com/default.aspx?g=posts&t=194759 Module activation delay! https://forums.eveonline.com/default.aspx?g=posts&m=1180934

CCP Masterplan
C C P
C C P Alliance
#40 - 2012-07-25 17:48:12 UTC  |  Edited by: CCP Masterplan
Gritz1 wrote:
Othran wrote:
Remove the ability to self-destruct would seem to be the best solution.

If self-destruct actually caused area of effect damage to other ships there might be a valid reason for retaining it but it doesn't so there isn't.

Get rid of self-destruct.


So you get pointed in the middle of no where, say, in your pod. And you have no way of self destructing, and now these bad people can hold you there for hours. See a problem?

It would also suck to get stuck in a wormhole system with no probes and no friends. You should always have the option of putting a gun to your head.
If that option results in a killmail, no insurance, a loot-drop, a nice AOE fireball, or a mark-of-shame on your character, that is one thing. But getting rid of self-destruct entirely is not really an option, for reasons such as those mentioned above.

"This one time, on patch day..."

@ccp_masterplan  |  Team Five-0: Rewriting the law