Player Features and Ideas Discussion

Those insurance rates are based on the old mineral costs. Hooray for "Extra Materials".

Navy, Pirate, and T2 ships have their "baseprice" and thus their insurance payout based around the mineral build price, excluding any "Extra Materials". Furthermore, the price is more set by the price of other external things (BPC, "rarity", etc). By the time you're flying navy/faction/T2, the insurance payout isn't that important (because, you're not flying what you can't afford to lose, right). That is, insurance is intended to make sure that you don't end up with 0 ISK and 0 ships when you die (granted there are other ways to make you have 0 ISK and 0 ships when you die ... but that's a totally different situation).

This used to not affect normal T1, since they didn't have any "extra materials"; though since CCP did the tiericide balancing and changed the mineral needs of all the ships, they couldn't just make them normal mineral requirements (else you'd see people stockpile a bunch of everything and melt it down after the patches for free minerals).

CCP are always looking to make new ISK sinks and as you know, they love them.

Doesn't matter to them if the rich players get richer and poor players poorer as long their averages in pretty graphs show the isk amount in game dropping

Or another crazy idea...just because they decide to "rebalance" a ship doesn't mean they need to change what minerals are needed to build it. Hence they also wouldn't break insurance in the process.

Crazy idea I know so I doubt they would get it.

Well, I wouldn't blame them, but in all honesty, I don't see anyone not being able to get into the ship they want. And I don't see why people complain about this, if everything was handed to us, we would all be in Titans. Isk sinks are fine.

I 100% agree with Barber and Jessica the insurance is broken needs to reflect the true value of current market values for the premiums being asked for. Yes it only a game but to the folks who enjoy the game the constent bulling and running people down one recieves for asking a fair question is a pretty **** poor . It does spoil the game dymatics so it would interesting to see a full review of the whole insurance app and to include a basic/premium contents insurance for weapons and modules as well and also include a frieghter cargo insurance so the carrier can insure cargo he or she is carrying and a client can also insure their risk of have cargo being transported as well . Looking forward for a good outcome on a reasoniable request with out the smack talk.

The reason for this is because right before those ships were rebalanced people stockpiled them in the order of several thousand to tens of thousands... all hoping to reprocess them and get "extra" minerals after their production value was increased.

In order not to upset the market with a glut of [essentially free] minerals, the DEVs decided to make it such that the ships' reprocess values (and thus the insurance rates) would stay the same at the old values.

Wait until the the stockpiles run out and then the amounts will be changed to their "true" values (which can take years as players are an opportunistic bunch).


Navy, Pirate, Tech 2, and Tech 3 ship insurance rates are also based on value of the minerals that went into them... however their actual costs on the market are due to other factors that the market can't exactly gauge... or the DEVs don't want gauged (ex. "special" material needs and limited supply).


edit: as for the idea to keep production costs the same instead of increasing them when they are rebalanced... that puts certain ships which are supposedly "equal" to their their class counterparts as being "better" due to the mindset of "more bang for the buck."