EVE General Discussion

Insurance is here to mitigate the risk of the accidental loss of your ship. Not to mitigate the loss of your ship from actions of law enforcement. Same connection as in the real world. Insurance will not pay for behavior that is considered unethical or reckless, neither should it pay here. Life insurance will not pay if the insured party has committed suicide.

I am not against suicide ganking, I am against providing suicide gankers and self-destructors with loss mitigation. Do what you want with your ship, but don't expect to get paid by insurance for it.

When somebody makes a real life comparison to make a point about an internet space ship game I have to pause and consider the psychology that may be motivating them:

1) Perhaps our original poster believes there should be *truly* safe places outside of station for pilots to go about their business and paying out insurance on criminal actions makes these places practically nonexistent. I can only reply that a safe game like that might wonderful but it wouldn’t be EvE.

2) Perhaps our original poster finds Pend’s enthusiastic willingness to pay out on criminal action ship loss a mechanic that breaks her fragile feeling of immersion. “This is absurd,” she proclaims, “No insurance company would do this!” I can only reply that this is a failure of imagination on our poster’s part. Perhaps Pend has crunched the numbers and discovered that the well publicized menace created by the occasional suicide gank has so many little carebears insuring their boats (never to collect) that paying out to criminals makes superb business sense.

3) Perhaps our original poster believes payouts to criminals is a game breaking mechanic since it incentives criminal actions. “Darling,” I must reply, “You may be a law abiding citizen of EvE but many of us are criminals.” In the dark cold universe that is EvE we criminals get a sporting chance to ply our dastardly trade. Wicked corporations like Pend collude. If this aspect of EvE disturbs you it may be time to move on to a different game.

DireNecessity

Actually I have to agree with the OP. I know insurance payouts to gankers has always (as far as I know) been done, and I know the gankers want it to continue this way.

However Eve, as ridiculous as it may sound when talking about an internet spaceship game, has always been great because of it's realistic game rules.

War by a larger enemy on a smaller/weaker - allowed because it happens in real life.

Market scams - allowed because it happens in real life.

Ganking/Bullying/Stealing - allowed because it happens in real life.

However - getting an insurance payment because you crash your car running from the police after slamming into someone elses vehicle????? NO WAY. Nothing real about it.

I am sure my opinion isn't popular, but it's real.

It would make more sense for CCP to change the name to what it really is. Its a mineral refund service, not insurance (as its based on the mineral cost, not the ship cost).

I think this would be okay tbh.

ok, so you are going to hear this from an RPer so listin closely:

Compairing Eve to the real world is doomed to fail. what you see as common sense may not make good game sense.

ok now that that is out of the way.

high sec is already as safe as anything short of not undocking should be. stop playing the game afk, and you will live.

At least I have tonight's entertainment.

But really, why should not-really-insurance in a game set in space where it is acceptable to randomly shoot someone in a low sec system and then move into a high sec system and no one (including the cops) cares be modeled after RL insurance?


Because the only possible connection to RL insurance I can find is that they pay you (sometimes).



They don't revoke insurance for self destructing (ie damaging your own stuff).
They don't revoke insurance for illegal acts.
They don't revoke insurance for flying in a warzone.
They don't increase rates proportional to the number of times you have required their service.
It is not required to purchase in order to receive payout.
They don't charge you before you can pay (ie, bills).
They don't ever run out of money.


They are quite unlike any RL insurance company I have ever heard of.

However, if you want all of those things added too (along with a contract that has so many terms and limitations and voidings that it makes your brain hurt) then sure, remove "insurance" for criminal acts.

Otherwise, live with it.


Oh and:

Yes it does. It also suggests the correct spelling.

Like I said, it's zero risk if you ignore the risks.

But please, explain why the risk of failure is zero. Why the risk of wasting time is zero. Why the risk of a horrid drop is zero. Why the risk of losing your ship is zero. Why the risk of not even getting to your target is zero (which, granted, only happens for career gankers).

And when you're done with that, explain why any of that is a problem and how it is solved by removing insurance.
Nah. It suggests the incorrect (aka U.S.) spelling…

I am actually okay with what you propose. Nobody is reading the T&Cs anyway for insurances anyway, since they are non-negotiable.

I like the idea of realistic insurance in return for realistic police.