These forums have been archived and are now read-only.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.
Previous page12
 

Insurance - Does is stay or does it go?
Author
Previous Topic Next Topic
Ai Shun
#21 - 2012-02-14 19:46:02 UTC
Skippermonkey wrote:
I'm not sure whether insurance should stay in its current state, be altered or be removed.


I believe the following changes are needed:

(a) The current version of Insurance should be removed
(b) A corporation should be able to apply for a license to insure (Vetted by CCP)
(c) Once they have purchased a license; with a monthly upkeep cost they have access to insurance related records e.g. Risk involved, credit rating, or whatever else is pertinent
(d) Insurance is done in the form of a new contract type
(e) Insurance has a monthly upkeep cost from a player perspective
(f) Payout is guaranteed, even if it places the corp in a negative balance

The concept would need a large amount of refinement; but I do believe it should be a player run and provided service.
Ganagati
Perkone
Caldari State
#22 - 2012-02-14 19:53:00 UTC
Ai Shun wrote:
Skippermonkey wrote:
I'm not sure whether insurance should stay in its current state, be altered or be removed.


I believe the following changes are needed:

(a) The current version of Insurance should be removed
(b) A corporation should be able to apply for a license to insure (Vetted by CCP)
(c) Once they have purchased a license; with a monthly upkeep cost they have access to insurance related records e.g. Risk involved, credit rating, or whatever else is pertinent
(d) Insurance is done in the form of a new contract type
(e) Insurance has a monthly upkeep cost from a player perspective
(f) Payout is guaranteed, even if it places the corp in a negative balance

The concept would need a large amount of refinement; but I do believe it should be a player run and provided service.


What would a player or corp have to gain from running insurance? Nearly every ship that undocks is a guaranteed loss. You'd spend 90% of your time in the hole. Might as well just remove insurance and save corp leaders the time of having to explain this to their members. Not to mention, new players wouldn't get insurance at all.

Why does no one like PvP? lol. This is a PvP based game and everyone is obsessed with trying to limit it more than it already is. >_>

.
Zaxix
State War Academy
Caldari State
#23 - 2012-02-14 20:56:20 UTC
Should I Stay or Should I Go Now?
http://www.youtube.com/watch?v=LZk_HnE-cdU

Bokononist

 
ElQuirko
University of Caille
Gallente Federation
#24 - 2012-02-14 20:59:01 UTC
Oh god, if they run it by killboard stats I'm screwed.

Dodixie > Hek
Tippia
Sunshine and Lollipops
#25 - 2012-02-14 21:02:59 UTC  |  Edited by: Tippia
Skippermonkey wrote:
Why do pilots feel like they are entitled to a payment of isk when they lose their ship?
Because it's good for everyone involved — it encourages blowing people up (and getting blown up).

Quote:
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?
Same reason.

Ganagati wrote:
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.
It's also a price control mechanism for minerals and (by extension) the economy as a whole.
Ai Shun
#26 - 2012-02-15 00:41:34 UTC
Ganagati wrote:
What would a player or corp have to gain from running insurance?


The same as any insurance company out there.

Ganagati wrote:
Nearly every ship that undocks is a guaranteed loss. You'd spend 90% of your time in the hole. Might as well just remove insurance and save corp leaders the time of having to explain this to their members. Not to mention, new players wouldn't get insurance at all.


True, hence the insurance providers would need the tools to gauge risk. I've lost three ships (Maybe 4?) on this character in a bit more than a year of play. I would be a low insurance risk, but would happily buy it from a player.

I wouldn't buy insurance for my combat pilot though; unless it was within a corporation that applied for a member only insurance provision scheme and used it to fund their ship replacement programme.

I hear what you are saying about new players. Perhaps a lower insurance payout from a NPC provider; with better deals through player run corporations.

At the end though; I dislike the idea of facets of the game being in CCP hands. I want all of New Eden in the hands of players. Make it a full, real sandbox.
Lenore Leelu
Obsidian Dynamics
#27 - 2012-02-15 01:55:39 UTC
tbh most of the time I forget to use it.
Ceptia Cyna
The Scope
Gallente Federation
#28 - 2012-02-21 14:19:52 UTC
Tippia wrote:
Skippermonkey wrote:
Why do pilots feel like they are entitled to a payment of isk when they lose their ship?
Because it's good for everyone involved — it encourages blowing people up (and getting blown up).


Ganker tears are so delicous...

It seems CCP disagrees and it seems the allmighty Insurancecompany is no longer willing to pay out suicide pilots, which ingame company would besides maybe some wicked bees?

Sad storry, but true. Now please would you cry us a river. Cool
Vertisce Soritenshi
The Scope
Gallente Federation
#29 - 2012-02-21 14:22:19 UTC
I think insurance should stay. But only for ships that do not fire back. In other words if someone jumps you while you are plodding along from gate to gate in your Abaddon and you don't fire back before you go boom...insurance payout. If you even so much as put a target painter on your attacker. No payout. No payout on self destruct either.

Bounties for all! https://forums.eveonline.com/default.aspx?g=posts&m=2279821#post2279821
Ceptia Cyna
The Scope
Gallente Federation
#30 - 2012-02-21 14:33:21 UTC
Why no payout when you shoot back? Care to explain?

Agree on no payout for selfdestruct - works the same way as suicide ganking. You loose your ship cause you decided to. Perfect inner logic. This also contradicts with the logic to suggest no payout when you shoot back, as it is not certain to loose your ship this way.
Previous page12