These forums have been archived and are now read-only.

The new forums are live and can be found at https://forums.eveonline.com/

EVE General Discussion

 
  • Topic is locked indefinitely.
12Next page
 

Insurance - Does is stay or does it go?
Author
Previous Topic Next Topic
Skippermonkey
Deep Core Mining Inc.
Caldari State
#1 - 2012-02-14 13:07:46 UTC
It seems strange that a mysterious company with extremely deep pockets would insure POD pilots ships, that are in most situations flown in combat.

Insurance differers in relation to different hulls T1, Faction, T2 & T3, is this right?

Part of me cant see the point of insurance, there are so many isk sources in the game, surely people dont need help to buy a replacement everytime they lose a ship? (also, whats the deal with getting a free noob ship when you dock in a pod?)

I'm not sure whether insurance should stay in its current state, be altered or be removed.

feel free to troll or comment or discuss below

COME AT ME BRO

I'LL JUST BE DOCKED IN THIS STATION
Glarealot
Native Freshfood
Minmatar Republic
#2 - 2012-02-14 13:24:35 UTC  |  Edited by: Glarealot
Skippermonkey wrote:
It seems strange that a mysterious company with extremely deep pockets would insure POD pilots ships, that are in most situations flown in combat.

Insurance differers in relation to different hulls T1, Faction, T2 & T3, is this right?

Part of me cant see the point of insurance, there are so many isk sources in the game, surely people dont need help to buy a replacement everytime they lose a ship? (also, whats the deal with getting a free noob ship when you dock in a pod?)

I'm not sure whether insurance should stay in its current state, be altered or be removed.

feel free to troll or comment or discuss below


It's already been nerfed beyond the point of being worthwhile. I rarely even take the time to click insure anymore.

Just leave it alone, already. The new player experienced has already been nerfed beyond enjoyment as it is.

.
Skippermonkey
Deep Core Mining Inc.
Caldari State
#3 - 2012-02-14 13:30:34 UTC
True, that you mention the New Player Experience.

But, they are the ONLY people that i can see needing insurance anyway. Everyone else should be making isk in whatever way they can to afford the occasional loss.

As the saying goes, 'only fly what you can afford to lose'

COME AT ME BRO

I'LL JUST BE DOCKED IN THIS STATION
Bienator II
madmen of the skies
#4 - 2012-02-14 13:40:40 UTC
insurance pays always more as you pay to insure your ship. so if you plan to lose it, insure.

how to fix eve: 1) remove ECM 2) rename dampeners to ECM 3) add new anti-drone ewar for caldari 4) give offgrid boosters ongrid combat value
Skippermonkey
Deep Core Mining Inc.
Caldari State
#5 - 2012-02-14 13:52:59 UTC
So we should just consider it a 'PVP Subsidy'?

COME AT ME BRO

I'LL JUST BE DOCKED IN THIS STATION
Aiwha
School of Applied Knowledge
Caldari State
#6 - 2012-02-14 14:03:35 UTC
Actually, I think its pretty good as is. T1 insurance is nice, it can pay for most of your hull if you meet an untimly end. However, insurance is pretty skimpy when it comes to T2 ships. This makes flying T2 a little more of a luxury. Just my 2 cents.

Sanity is fun leaving the body.
malaire
#7 - 2012-02-14 14:03:56 UTC
Bienator II wrote:
insurance pays always more as you pay to insure your ship. so if you plan to lose it, insure.

It takes time to insure. At least for me I consider that time best used for something more usefull - like posting on forums.

New to EVE? Don't forget to read: The Manual * The Wiki * The Career Options * and everything else
Skippermonkey
Deep Core Mining Inc.
Caldari State
#8 - 2012-02-14 14:05:55 UTC
Another question...

If insurance is to continue, whats the point in having anything offered but Gold insurance?

COME AT ME BRO

I'LL JUST BE DOCKED IN THIS STATION
baltec1
Bat Country
Pandemic Horde
#9 - 2012-02-14 14:07:01 UTC
Skippermonkey wrote:
So we should just consider it a 'PVP Subsidy'?


I doBlink
ElQuirko
University of Caille
Gallente Federation
#10 - 2012-02-14 14:08:17 UTC
It's always nice to have 600m insurance whenever a thanatos goes pop.

Insurance for T2s/T3s, though - I can't see a point to it.

Dodixie > Hek
Vizvayu Koga
#11 - 2012-02-14 15:25:03 UTC
This has been discussed many times, it's a silly game mechanic which should be updated/fixed.
https://forums.eveonline.com/default.aspx?g=posts&m=642732#post642732
Shazzam Vokanavom
Doomheim
#12 - 2012-02-14 15:43:12 UTC  |  Edited by: Shazzam Vokanavom
Personally like to include the insurance of implants.

Given that inflation is 1% per month it would add an extra isk sink into the game.

Would have to price it accordingly below LP isk amounts for amounts insured to afford the possiblity of 0 isk LP value, and then measure the associated risk for podding to make if financially viable. As a result overall isk would be lost due to the insurance process in larger amounts, but promotes re-imbursement at a lower rate to afford the purchase of LP sourced replacement implants, thereby encouraging isk "sinkage".

Considering this would be less of an issue in high sec it would be an appealing subsidy to null sec pilots and then its apparent value gradiated accordingly with higher security areas.

As a result of having insurance it might reduce certain attitudes to avoidance of "combat" due to the lack of jump clone access either by qualification or just temporarily suspended due to recently jumping into a training clone or other applicable clone types not focussed as solely PvP orientated for minimal loss due to implant use.
Ioci
Bad Girl Posse
#13 - 2012-02-14 16:41:16 UTC
I had an idea for this but never bothered putting it on the table. Right now it's more like a limited warranty system.

Bring back the original insurance but you don't get a base. If you don't insure you get nothing. This is more for low SP chars that simply need to replace thier ship.

For the advanced, If you don't insure you also get a Killmail report. Both sides get one, the guy who died and the guy who killed the ship.

They can go in a sheet like LP and can be turned in accordingly. All ships are made by Empire Corps. We just buy blueprints from those corps. T1, T2, T3. they are all made by some NPC. Based on the kill, you can then go to that developer and submit the killmail report and collect datacores for veteren modules and ships. Through research from the battle reports, the NPC developers can improve the effectiveness of thier product because it is field tested, veteren data that shows the vulnerabilities.

The thing with this concept is, I doubt it would be seen as a working model for a year or more because it's a ground level idea.

R.I.P. Vile Rat
Xercodo
Cruor Angelicus
#14 - 2012-02-14 17:07:26 UTC
The rookie ship is just in case you were to lose all the ships, ISK and SP up to 900k you had.

Get a rookie ship, start mining.
Buy T1 combat frigate, pew pew stuff.
Work your way back up the ladder from there...

The Drake is a Lie
Andski
Science and Trade Institute
Caldari State
#15 - 2012-02-14 17:22:05 UTC
A Maelstrom hull costs 150M in Empire. Mineral cost at current prices is 147M. Insurance payout is 103M, cost is 31M. That's close to an 80M ISK loss for the hull alone, let alone the fittings and rigs.

Insurance is fine.

Twitter: @EVEAndski

"It's easy to speak for the silent majority. They rarely object to what you put into their mouths."    - Abrazzar
David Grogan
University of Caille
Gallente Federation
#16 - 2012-02-14 17:24:33 UTC
i wish ccp would add a toggle in the settings that would allow/disallow a free noobship when ever you dock in a pod... im tired of trashing them

Everytime you buy something that says "made in china" you are helping the rising unemployment in your own country unless you are from china, Buy locally produced goods and help create more jobs.
Skippermonkey
Deep Core Mining Inc.
Caldari State
#17 - 2012-02-14 17:29:09 UTC
Andski wrote:
A Maelstrom hull costs 150M in Empire. Mineral cost at current prices is 147M. Insurance payout is 103M, cost is 31M. That's close to an 80M ISK loss for the hull alone, let alone the fittings and rigs.

Insurance is fine.

Sure it 'works' as it is, and i know its been here a while and people are very used to it, but what is it wasnt there at all?

Why do pilots feel like they are entitled to a payment of isk when they lose their ship?

It isnt 'NEEDED' is what i'm angling at, im not really disputign that its great to get most of the isk back from a ship that you just lost for whatever reason.

Another thing to point out, why do people get insurance money back on a loss even when they didnt insure it in the first place?

COME AT ME BRO

I'LL JUST BE DOCKED IN THIS STATION
seany1212
M Y S T
#18 - 2012-02-14 17:39:17 UTC
Skippermonkey wrote:
Andski wrote:
A Maelstrom hull costs 150M in Empire. Mineral cost at current prices is 147M. Insurance payout is 103M, cost is 31M. That's close to an 80M ISK loss for the hull alone, let alone the fittings and rigs.

Insurance is fine.

Sure it 'works' as it is, and i know its been here a while and people are very used to it, but what is it wasnt there at all?

Why do pilots feel like they are entitled to a payment of isk when they lose their ship?

It isnt 'NEEDED' is what i'm angling at, im not really disputign that its great to get most of the isk back from a ship that you just lost for whatever reason.

Another thing to point out, why do people get insurance money back on a loss even when they didnt insure it in the first place?


It's needed mainly for those just starting out, that's why i feel the T1 insurance is set up right because its for those newer players when they come to moving up to larger ships, the difference in T2 insurance is about right too as someone said that its more of a luxury when you get to that stage rather than the isk being a problem. I'll agree though that the tiers of insurance are pointless, if i even insure my ship (T3/faction insurance... lol) then i'll only ever go for platinum in the first place. In saying that though if you took away the rest of the tiers of insurance when you come to purchase it it'll just seem less professional if there was only one choice.

TL;DR: Insurance is needed for T1, T2/3/faction; don't fly what you can't afford to lose... Roll
Andski
Science and Trade Institute
Caldari State
#19 - 2012-02-14 17:39:49 UTC
I take it that every time you get an insurance payout in your wallet journal, you take that ISK, buy skillbooks and trash them, simply because you disagree with the concept? Of course you don't.

When you take fittings and rigs into account, insurance is a drop in the bucket.

Twitter: @EVEAndski

"It's easy to speak for the silent majority. They rarely object to what you put into their mouths."    - Abrazzar
Ganagati
Perkone
Caldari State
#20 - 2012-02-14 19:39:47 UTC  |  Edited by: Ganagati
Skippermonkey wrote:
Andski wrote:
A Maelstrom hull costs 150M in Empire. Mineral cost at current prices is 147M. Insurance payout is 103M, cost is 31M. That's close to an 80M ISK loss for the hull alone, let alone the fittings and rigs.

Insurance is fine.

Sure it 'works' as it is, and i know its been here a while and people are very used to it, but what is it wasnt there at all?

Why do pilots feel like they are entitled to a payment of isk when they lose their ship?

It isnt 'NEEDED' is what i'm angling at, im not really disputign that its great to get most of the isk back from a ship that you just lost for whatever reason.

Another thing to point out, why do people get insurance money back on a loss even when they didnt insure it in the first place?


Exactly- people already PvP too much as it is, just because having their ship destroyed isn't a total loss. I think it would be awesome for people to become more risk averse, hiding in highsec more often and avoiding combat more because suddenly PvP costs for them skyrocket. Lowering the desire to PvP in a PvP based game is the best idea I've heard yet!

8/10 for actually getting people to discuss this seriously, despite obvious trolling.

You want a serious answer, though? Fine. What is insurance? A PvP stimulus. The higher the insurance payout, the less risk averse players will be and the more PvP combat you will see. You want to limit PvP to the "hardcore players"? Fine, have at it. The only people you'll hurt are the PvPers, who will suddenly have a ton less people to fight. Suits to me to a T.

.
12Next page