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Player Features and Ideas Discussion

 
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Lifetime insurance?
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morion
Lighting Build
#61 - 2016-06-05 02:07:46 UTC
Charcal wrote:
morion wrote:
there are no tools
for banking
for investing
for insurance
for legal claim on investment thru shares
not wile void accountability is king



Actually we do, and when i was referring to assets, ships is an asset and we do buy insurance for them. And this was the insurance is was referring to.

As i wanted to specify not an "instant" refund, it was logical to "describe" the typical situation where the dealy occurs, as a result i was merely stating why we would wait 7-14 days before refunding per say that specific ship as an actual item or isk in full.


I think you misunderstood my post to a certain degree, but thank you for your feedback :D



I originally thought you wanted to insure ships yourself. +1

As a mechanic based insurance program.
your proposal boils down to a mineral faucet.
contrast to the existing isk faucet model.
Flaws I see if I understand correctly now.
3x isk over pay on hull = infinity hull with a time lag.
3x or 100x or any number is irrelevant with infinity replacements.
The time lag of days or weeks is irrelevant long as the infinity hulls role in.
Restrictions to ships irrelevant make it infinity shuttle. O_o
Your idea is game breaking as minerals would likely drop 90%-95%
and bottom at a lowest common denominator.
meaningless industry / mining /

EvE runs a destruction and consumption based economic model.

a analogy quick for fun:
if EvE was a car demolition derby.
Could you run a profitable insurance company?
The current model runs at a loss to itself as a insurance company.
The current model is not dynamic pricing risk and history.<-------------------------

I feel your idea is a poor alternative.
Frostys Virpio
State War Academy
Caldari State
#62 - 2016-06-05 06:58:32 UTC
Charcal wrote:
Ix Method wrote:
This is legitimately insane.


That might be, but what would you call getting 10.000 skill points from killing a single rat, unlocking the oportunity to extract skillpoints in roughly 1,5 month and sell it on the market?

Just an example.


I would call that a rather small trial at a new feature that can be pushed deeper without crushing the whole economy of the game in one stroke.
Frostys Virpio
State War Academy
Caldari State
#63 - 2016-06-05 07:04:16 UTC
You don;t even just kill mining

Lifetime insure ship
Lose ship
Salvage wreck
Sell salvage
Get a free ship
Lose said ship
Salvage ship
Sell salvage
repeat a bunch of time
Use profit from salvage sales to buy a second hull
Re-run the lose + salvage process with 2 insured hulls instead of one
Buy 3rd hull out of profit from salvage
Buy 4th hull out of...
Buy 5th hull...
Buy 6th...
Buy...

You killed salvaging at the same time you killed mining.
Robert Caldera
Caldera Trading and Investment
#64 - 2016-06-06 11:30:41 UTC
Charcal wrote:

i was thinking the pricetag for this could be like 3x the actual cost of the object insured.

so as example, a ship with a 60 mill cost, the life-time insurance would then be 180 mill.

Constructive critisism is always appreciated, any thoughts?


I dont get why you need insurance for this?

Instead of paying 180m.. keep the money and buy new ship for 60 and keep the other 120?? Even saving munny with this simple approach.
Frostys Virpio
State War Academy
Caldari State
#65 - 2016-06-06 15:52:45 UTC
Robert Caldera wrote:
Charcal wrote:

i was thinking the pricetag for this could be like 3x the actual cost of the object insured.

so as example, a ship with a 60 mill cost, the life-time insurance would then be 180 mill.

Constructive critisism is always appreciated, any thoughts?


I dont get why you need insurance for this?

Instead of paying 180m.. keep the money and buy new ship for 60 and keep the other 120?? Even saving munny with this simple approach.


Not if you lose the ship often. He does not want the insurance to be over after a loss so paying up front a lot is much better since you can lose it until the end of days and always get a new one delivered to you after 14 days.