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Ship Insurance: Is there a website that lists all the insurance costs and payouts?
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Umamasyean
Aliastra
Gallente Federation
#1 - 2011-10-18 10:15:53 UTC
?
Aamrr
#2 - 2011-10-18 10:22:25 UTC
Since it changes dynamically according to fluctuations in the mineral market, any such listing would be out of date not long after it was published.

To give you a general idea, insurance compensates you for the mineral cost that goes into the ship. Details like T2 materials, invention costs, and time that goes into making blueprints are not accounted for.

As such, you'll find that T2 ships give an insurance payout equivalent to their T1 hull, capital ships give a significant payout, but not enough to cover the markup associated with capital production, etc.
thrulinn
The Scope
Gallente Federation
#3 - 2011-10-18 13:28:32 UTC
I don't use this often, but my understanding is T1 ships are worth insuring as you can replace them with it. but will not cover the cost of how you outfit it. T2 ships don't bother.
Aamrr
#4 - 2011-10-18 13:35:40 UTC
Well, from a pure number analysis, you're better off insuring ANY ship if you lose it within the first insurance period, whether it's T1, T2, faction, or even T3. If it survives the first insurance period and dies in the second, you'll break even compared to dying uninsured -- again, regardless of ship type. This is because the default payout is 40% of the platinum payout, and the premium costs 30% of the platinum payout.

Now, you probably shouldn't be expecting to lose T2 and faction ships every 2 months, but if you do, then you'll be better off insuring them. Whether it's worth the effort to keep the policy current on such a pitiful return is an open question, though.