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↯↯↯ Insurance And YOU , a REALISTIC approach ↯↯↯ (A Proposal to CCP)

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Ivy Romanova
State Protectorate
Caldari State
#1 - 2013-01-07 12:23:41 UTC  |  Edited by: Ivy Romanova
As in real world , there are a whole lexicon of different insurance plan for different situations .
There are your insurance for sports related accidents , coal mining accidents , disease related injuries , etc etc.
Now why should there be the same plans in EvE?
Apparently, the risk of a mining barge will take on when compared to a PvP drake is not the same.
The same goes for a frigate and a Battlecruiser .



Proposal

When you apply for an insurance , first you must state the purpose of the vessel and planned operating sectors (aka , security status )
With that , the system will automatically calculate the premium based on the risks.

  • Player Induced Security Factor
    • The ratio between the number of ships of the same class and purpose destroyed and the total number of ships destroyed in the region (excluding wars) .
  • NPC Induced Security Factor
    • Fixed risk premium based on the security status of operating region.
  • Payout Amount (Current insurance policy)
    • The insurance premium calculation method currently used .


    Declaration of Voided Insurance
    On par with the current standard , the insurance will be declared voided if the following conditions are seen.
  • Repackage your ship
  • Trade your ship to another player
  • Put your ship into a corporation hangar
  • Sell your ship on the market
  • Put your ship inside a contract.
  • Suicide attack someone in High-Sec (players destroyed by CONCORD do not receive an insurance payout).
    • The above violation are seen as low level violations and will not have any lasting effects.

    Additionally ,I think the following conditions should also be added.
  • Losing the ship outside of region stated on the insurance policy
  • Using the ship not for its intended purposes (e.g: Pvping in a mining barge [don't ask] )
    • Violating the 2 conditions stated above will not only lead of invalidation of your insurance , it'll also increase the premium of any ships you insure in the future.If you're observed to violate the conditions for more than 5 times within a quarter, the insurance company will refuse your application for insurance. (Effective for 2 months)



    What do you guys think?

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    Cat Troll
    Incorruptibles
    #2 - 2013-01-07 12:28:36 UTC
    wat

    Lolwut: "Yes, you kids don't know how lucky you have it. These days noobs get given free tackle ships for PvP but back in the old days the only tackle ships we were given were our pods. We had to use them to bump their rookie ships out of alignment to stop them warping off."
    Vanell Draeko
    Raketenarschknaller
    #3 - 2013-01-07 12:34:29 UTC
    This is not the real world.

    Oh noes
    March rabbit
    Aliastra
    Gallente Federation
    #4 - 2013-01-07 12:36:11 UTC
    it will start when we get player running insurance companies. Elsewere - CCP will not bother anyway.

    The Mittani: "the inappropriate drunked joke"
    Ivy Romanova
    State Protectorate
    Caldari State
    #5 - 2013-01-07 12:36:54 UTC
    Cat Troll wrote:
    wat


    Here , have some brain food

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    Pak Narhoo
    Splinter Foundation
    #6 - 2013-01-07 12:38:26 UTC
    So what happens if I take premium insurance and have my alt on my second account blow up my just insured ship?
    Pak Narhoo
    Splinter Foundation
    #7 - 2013-01-07 12:38:57 UTC
    Ivy Romanova wrote:
    Cat Troll wrote:
    wat


    Here , have some brain food


    Wut?
    Ivy Romanova
    State Protectorate
    Caldari State
    #8 - 2013-01-07 12:38:59 UTC
    March rabbit wrote:
    it will start when we get player running insurance companies. Elsewere - CCP will not bother anyway.


    to be honest, I don't think it'll be that hard to implement , since we already get most of the data via the map interface .
    The statistics is all here, we just have to use it .

    ▬▬▬▬▬▬▬▬▬▬ஜ۩۞۩ஜ▬▬▬▬▬▬▬▬▬▬ ＤＡＭＮ ＴＨＩＳ    SIGNATURE    ＩＳ ＦＡＮＣY ▬▬▬▬▬▬▬▬▬▬ஜ۩۞۩ஜ▬▬▬▬▬▬▬▬▬▬
    Ivy Romanova
    State Protectorate
    Caldari State
    #9 - 2013-01-07 12:40:26 UTC
    Pak Narhoo wrote:
    Ivy Romanova wrote:
    Cat Troll wrote:
    wat


    Here , have some brain food


    Wut?


    Your future insurance premium increase , as it shows that the insurance company will be taking on a high risk when they accept your insurance application.
    So in the long run, you still lose.
    As in the end , insurance will not reimburse 100% of the ship's value .

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    JamesCLK
    #10 - 2013-01-07 12:40:28 UTC  |  Edited by: JamesCLK
    Then CCP should create the tools to let Insurance be a player run thing.
    That, I'd like.

    Edit: I realize we already have ship reimbursements, but they have no formal mechanics. A way to automatically reimburse a pilot based on user defined conditions would be a godsend.

    -- -.-- / -.-. .-.. --- -. . / .. ... / - --- --- / . -..- .--. . -. ... .. ...- . / - --- / ..- -. -.. --- -.-. -.- / ... - --- .--. / .--. .-.. . .- ... . / ... . -. -.. / .... . .-.. .--. / ... - --- .--.
    Mai Khumm
    172.0.0.1
    #11 - 2013-01-07 12:40:37 UTC  |  Edited by: Mai Khumm
    You do realize that insurance companies IRL will bend over backwards to not pay for any claim...

    ESP a claim where you strapped guns and Missle launchers to your car, then took a drive in the middle east...

    -Edit-
    Come to think of it, I'd rather have EVE ship insurance on my car! No matter what happens to it, my claim will go through before I report it. No paperwork, doctors papers, police, etc etc...
    Ivy Romanova
    State Protectorate
    Caldari State
    #12 - 2013-01-07 12:42:10 UTC  |  Edited by: Ivy Romanova
    Mai Khumm wrote:
    You do realize that insurance companies IRL will bend over backwards to not pay for any claim...

    ESP a claim where you strapped guns and Missle launchers to your car, then took a drive in the middle east...


    well obviously thats not how insurance in EvE works , because if it did , it would have gone bankrupt long ago .
    However, I think it should be more realistic in terms of its mechanics .
    It would feel more of an alive and breathing entity instead of a dead , minimally responsive feature

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    Ivy Romanova
    State Protectorate
    Caldari State
    #13 - 2013-01-07 12:50:26 UTC
    JamesCLK wrote:
    Then CCP should create the tools to let Insurance be a player run thing.
    That, I'd like.

    Edit: I realize we already have ship reimbursements, but they have no formal mechanics. A way to automatically reimburse a pilot based on user defined conditions would be a godsend.


    To be honest, it wouldn't be that hard to implement imo .
    The ultimate goal of a sandbox is the least intrusion into the mechanics the better.

    Offloading the role of insurance agency is inevitable . I just hope this won't end up in the Feature and Idea session.

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    Chribba
    Otherworld Enterprises
    Otherworld Empire
    #14 - 2013-01-07 12:50:31 UTC
    It would be more dynamic if they calculated insurance based upon how much you lost previously, but tbh it would defy the reason many use insurance, because it makes their pvp less costly, and we all know pvp is needed for everything to go around.

    Player driven insurance systems would be way better, bc then you could actually compete with each other offering good insurance and so on.

    But a very tough mechanism to create and make work properly. Easiest so far might be corp/alliance based insurance.

    /c

    ★★★ Secure 3rd party service ★★★

    Visit my in-game channel 'Holy Veldspar'

    Twitter @ChribbaVeldspar
    Solstice Project
    Sebiestor Tribe
    Minmatar Republic
    #15 - 2013-01-07 13:04:51 UTC
    "state the purpose of a vessel"

    Six words, clearly indicating that you haven't really thought this completely through.
    Ivy Romanova
    State Protectorate
    Caldari State
    #16 - 2013-01-07 13:16:41 UTC
    Solstice Project wrote:
    "state the purpose of a vessel"

    Six words, clearly indicating that you haven't really thought this completely through.


    as in , what you'll be using your ship for .
    Apparently , the risk between Mission Running , Ratting and Pvping in a Raven will be very different.

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    Sentient Blade
    Crisis Atmosphere
    Coalition of the Unfortunate
    #17 - 2013-01-07 13:22:12 UTC
    Ivy Romanova wrote:
    Apparently , the risk between Mission Running , Ratting and Pvping in a Raven will be very different.


    If you're PVPing in a raven you're doing it wrong. The damn things can't even be used as mini-dreads anymore since CCP ****** the torpedo ranges.
    ISD Suvetar
    ISD Community Communications Liaisons
    ISD Alliance
    #18 - 2013-01-07 13:22:49 UTC
    Moved from General Discussion.

    [b]ISD Suvetar Captain/Commando Community Communication Liaisons (CCLs) Interstellar Services Department[/b]
    Ivy Romanova
    State Protectorate
    Caldari State
    #19 - 2013-01-07 13:23:52 UTC
    Sentient Blade wrote:
    Ivy Romanova wrote:
    Apparently , the risk between Mission Running , Ratting and Pvping in a Raven will be very different.


    If you're PVPing in a raven you're doing it wrong. The damn things can't even be used as mini-dreads anymore since CCP ****** the torpedo ranges.


    But still people do it , and the premium of insuring a Raven will reflect that .
    Here in EvE , we don't discourage or punish stupidity . We just provide the appropriate consequences

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    Ivy Romanova
    State Protectorate
    Caldari State
    #20 - 2013-01-07 13:24:28 UTC
    ISD Suvetar wrote:
    Moved from General Discussion.

    and then.. you killed the thread .
    Good job keeping the "order"

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