Player Features and Ideas Discussion

For a long time T2 insurance has been practically non existent. It got updated recently which was a little bit better but still not adequate. I understand that when you lose a T2 you should lose a lot more money but I believe the insurance is done the wrong way round.

Currently on t1 you pay little money for big gain.
Currently on t2 you pay little money for little gain.

I believe myself that you should pay big money for big gain. Just like you would with an expensive car or boat.

Here is an example scenario of what I propose (prices may not be current):

Ishtar Cost : 120m
Insurance Cost : 100m
Insured Ship Cost : 220m
Insurance Payout : 180m

This means that the initial capital required to insure a t2 ship is high as it should be. But also ensures that the money you get back is adequate to help cover loss. However it's not profitable. The exact figures would have to be refined obviously so people couldn't build the ships, insure and destruct. But this is something the Dev team would have to look into.

No. The current insurance is based on material prices now thats all the balance we should need.