EVE General Discussion

Why is the in game insurance so bad? I don't understand why the value of the ships for insurance is only the base ore prices for the ship. If the actual cost of the ship was the pay out that would be much better. I have only been playing for 60 days and I have lost 2 ships. If I did not have a good corp, the isk lost would have forced me from the game.

I don't mean to be rude, but both of your characters made their first post today, and both are called Ash, and are posts 1 and 2 in this thread.

This could be just a coincidence, or... are you replying to your own posts, mate? Do you need to broadcast for reps?

Platinum insurance will pay 100% of the value of a standard T1 hull. https://support.eveonline.com/hc/en-us/articles/212726885-Insurance. The standard "free" insurance pays 40%.

The value is determined by a moving average - probably 30 days for the minerals to build the ship.

If you look at the Zkillboard kill reports for your losses, you'll see that platinum insurance would come very close to covering the retrievers and within 5 million of covering the hurricane. You can't insure a pod but, if your corp has a Citadel you could have jumped into an empty clone.


There is a rule in Eve - don't fly what you can't afford to lose.

I think for 25% insurance premium for the ore value of the ship is POOP! The insurance should be the market average for the ship and not the mineral average price like it is now. I don't mind the insurance not covering the modules because insurance fraud would be over the top. I would like to be able to buy another ship at the same price that my destroyed ship cost with the insurance pay out. I as far as I am concerned that 25% insurance premium needs to cover 100% market value, even if it is a tech II ship.

Because loss is important in Eve.

That's a key design goal. If you can lose a ship without blinking, because it will be refunded, then what's the point? Why would you get the shakes? Where's the meaning?

Death is a serious business.

First thing you should realize is that insurance here isn't the same thing as real-life insurance. Barring the largest capitals, ships are as much a disposable material as the modules and ammunition inside them. If anything, the insurance system is unrealistically soft to the customer (must be subsidized by the NPC empires). Insurance covering the full market value of ships would be as ridiculous as if your local insurance company kept its current car insurance premium after the government had lifted all bans on speeding and DUI.

Secondly, as another player above has pointed out, if a game mechanic can be exploited it this game, it WILL be exploited. I remember times when people would have their titans blown up when their insurance was coming to an end because it was more economically sound for them to get the insurance money and get a new titan than to buy a new insurance policy.

EVE is a game of risk. Ship lost is part of that risk. If CCP fully reimburst you the full cost of your ship, then what is the point of the fight? Where is the risk? Empires in EVE have risen and falled based on risk.

As for the cost, The most important and most Golden of all rules in EVE is this, " Never Fly what you can not afford to lose."

This wasn't even the most egregious abuse of it.

I remember, when I first started playing, guys were literally buying ships off the market, insuring them, and then self destructing them because the insurance payout was actually higher than the cost of the hull + insurance. It wasn't long after that CCP changed the way insurance is calculated to the system we have now.

Basically, your insurance will never cover 100% of your loss, and it shouldn't. It's there to subsidize your losses, not make them inconsequential.

Also, Protip, never insure a Gnosis.

It all depends on the player;

https://www.youtube.com/watch?v=TyMzYYSLP_4

The shakes is that the movement of the head when falling in sleep at a meeting but yet trying to stay awake,right? I kept an eye on the second monitor just to push the stop record button. Google analytics show how much time people look at the video. It even had some added music and occasional inserted voice to keep people from dozing off. Watch the metrics on that video... right? exiting? The average view duration is 2 minutes... zzzz *yawn*

The meaning is that in the one sided war marmite started against us in high sec I tried to do something constructive (get badgers for a badger video) in stead of the standard, don't log onto account x for a week or two and play on my other accounts. So yes, they did in fact sabotage a more meme like video themselves... and that is what usually happens. Some content from players is added for "exitement" *chuckles* (read one sided ganking) and surprisingly turns into people just logging in alt or for noobs no longer logging in.

Wrecking is a serious business for those not having multiple accounts and trillions of assets, death (podding) is just a minor inconvenience for most players. Death is when a player no longer logs in.

Yeah. I remember those days. Back before you could simply buy ISK with CCP's blessing to replace whatever you lose.

As for insurance. People actually use it? Inconceivable!

Mr Epeen