EVE General Discussion

In case you didn't notice, insurance expires. There is a monthly cost. Insurance also pays out crap for faction and T2.

The downside is you have to lose your ship for your ISK to not be wasted, and you lose insurance when loaning ships to friends or storing them in a POS. I haven't insured any of my ships in years.

Also basically yes if they had to make a real profit they would be bankrupt, but we can pretend all sorts of things like they get the salvage from any ship we don't hence the wreck expiry, and sell it to the civilian market to make money also etc.

The power of Handwavium for an important game mechanic.

Basicly, dont insure anything unless you are flying t1 ships with t1 modules really.
Other then that, its a waste of money.

Reading is a good thing.

There are tens of thousands of other players not losing ships whose insurance payment comprises the (by comparison) small number of payments doled out to the minority of players losing ships. If everybody was losing ships as fast as they were being purchased (like some EVE utopians envision as the perfect game) then your take would be more accurate, the insurance people would be paying out from a bottomless pit of ISK. It's doing that anyway, but the numbers allow us to pretend it isn't.

Huh? (Bounties?) Okay. Where did I say "trivial"? Also, where's your "pay in" number?

I assure you, I was more intent on mentioning you don't have a clue as to what you're saying.

EDIT: (Since you're "hungover".) You keep quoting my text, but you say nothing about what I've said.
You may be correcting someone, but you sure aren't correcting me. My responses have been driven
by pure curiosity, not an attempt to refute anything you've said, as what you've said in the context you've
placed it makes no sense and requires no response.

Case in point; you mention Bounties. I said nothing about bounties. You challenge characterizing something as "trivial". I said not one thing about anything being trivial. And, lastly, my characterization of the insurance component of the game may have been a bit informal, but it is not inaccurate. Which begs the question, what was it you thought you were disagreeing with? At this point your possible response doesn't light my low-level interest lamp, however. I make these remarks only for the sake of clarity, as I admit being guilty of levity.

I said no such thing. Yes, reading does help. Reading stuff by folks like you...not recommended.

Yes... by any metric Pend is unprofitable. Because it was designed primarily as game mechanic for the overall health of the game, with immersion being an afterthought



So yeeeah... the way a REAL insurance company works is that it makes money by collecting monthly fees and discourages risky policies or behaviors (or won't even consider them in the first place).

In EVE... the insurance system is a game mechanic designed to "soften the blow" for newbie PvPers (who primarily use Tech 1 ships) and get them back out doing more of it!
In fact... it's design is to encourage and facilitate MORE overall destruction... which in turn helps industrialists because there is always someone buying their products... which makes miners happy because there is always demand for the ores they harvest... which in turn also helps the newbro because it means that base level activities like mining and building some low-margin stuff can actually yield a decent penny (if they operate in the less over saturated markets of EVE (see: not Jita)).


Basically... the insurance system is like many other mechanics in EVE that simply don't make sense in any contemporary way... but in the context of a game make complete sense (and are sometimes necessary).
Some other "weird mechanics" in EVE;

- CONCORD: According to the lore they are no more advanced than any of the other empires. Yet they have access to some kind of jump-drive tech that doesn't require a cyno... has no lag time... has no limit on how far or much it can be used...
CONCORD is merely a game mechanic that was introduced because apparently players will ALWAYS be able to beat any NPC... except those that they are mechanically unable to fight against at all. And while blocking off all major trade hub routes is funny... it wasn't good for the overall health of the game.

- No mass or volume limits in stations: Realistically you shouldn't be able to pile several thousand players into the same station... all of them in massive ships whose combined mass and volume exceeds the station itself. But it's a game... and with such limits you could theoretically block off access to any station in the game if you have enough players working with you.
Can you imagine the entirety of Null-sec just piling into trade-hubs and blocking off all trade until a new hub forms... then rinsing and repeating?

- Submarine physics: This was an early decision in EVE's creation... apparently real Zero-G physics is tedious, boring, and not very intuitive for most people.


I can keep going.
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Well, if that's what you're reading into what I said, I must assure you, if I wanted to say that I have no trouble finding those words. The fact is, that isn't what I said. It's what you decided I must be trying to say. SO, rant on. I'm done with this exchange with you.

"Insurance" is a reimbursement program from CCP to ease losses of T1 ships. I insure all my T1 PvP ships with platinum, none of them yet reached the expiration date .