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Player Features and Ideas Discussion

 
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Dynamic Insurance

Author
Joe Risalo
State War Academy
Caldari State
#1 - 2012-05-07 00:17:42 UTC
Currently CCP is pushing quite hard to remove botters from Eve, and they should be.

They also recently took drone poo away, which is a good thing.

However, this has caused an adverse (or possibly intentional) effect of significantly increasing the costs of ships, and apparently expecially t1 ships. Hulks have increase in costs by a good 60-80 mil. Orcas have essentially doubled ni price from 400 mil to 800 mil.. Ravens have gone from 80 mil to 120-140mil. Hell, meta 1 battleships used to be 40-60 mil and now they're near 100mil, if not more.

Now, this isn't necessarily a problem...at least for the producers, and perhaps the miners.

However, where it does cause a problem is for the players purchasing these ships because they are becoming less and less covered by insurance making players even more risk averse to pvp, or content in less safe areas such as low, null, and wh space where pvp it possible and/or probable.


So, to counter this I suggest Dynamic Insurance. This basically means at the time of purchasing insurance, the cost of the insurance and the payout of the insurance is determined by the average cost that ship is available for on the server.


I would also suggest that T2, faction, and pirateships have more coverage than they currently do making flying t2, faction, and pirate ships in pvp more popular than just those players in stealth bombers and interceptors.

Now, I don't suggest t2, faction, and pirates dynamically being covered in full, but increasing the insurance payout to half of the current market value of the ship would help significantly.
As it sits now, most players who fly t2, faction, and pirate ships don't even bother to insure them because it's just not at all worth it, which basically removes a high potential isk sink, expecially when you factor that most of these ships are generally only used in high sec where players are even less likely to insure them reducing the isk sink even more.

This would help to make players a bit less risk averse when it comes to losing ships, would make t2-faction-pirate ships more viable in pvp, and would help to has more isk sink to Eve.
Simi Kusoni
HelloKittyFanclub
#2 - 2012-05-07 00:36:33 UTC
A) insurance is already dynamic, it will update when there is a stable price for minerals.

B) insurance is a bad mechanic, no need to extend it to t2/faction ships.

[center]"I don't troll, I just give overly blunt responses that annoy people who are wrong but don't want to admit it. It's not my fault that people have sensitive feelings"  -MXZF[/center]