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blankseplocked [Idea] Insure the player instead of individual ships
 
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Pinky Denmark
The Cursed Navy
Important Internet Spaceship League
Posted - 2011.08.25 13:12:00 - [1]
 

CCP should look into the insurance system to make it more user friendly, and perhaps consider insuring the PILOT instead of each individual SHIP. Also cutting insurance down to perhaps 30 days instead of 3 months might make sure the system is used more frequent and maybe people have a chance to remember their insurance choice better.
I personally change ship all the time depending on the situation. Insuring all my ships would cost a fortune while losing very few of them within a 3 month period so I rarely insure my ships at all. I'm fine with the basic 40% insurance pay out but a well functioning insurance system would defiantely improve the game for everybody.
Currently the insurance system is an old remnant and keeping track of insurance in a well assorted ship hangar is near impossible.

I would love to see insurance being a system similar to the clone system following the player instead of each individual ship.

Insurance categories:
  • Frigates

  • Destroyers

  • Industrials & barges

  • Cruisers

  • Battlecruisers

  • Battleships

  • Capitalships

The idea would be to treat each of these categories like your own clone being able to upgrade the insurance in a category of your choice and having to buy the insurance again each time a ship in the category has exploded.
A ship will either be fully insured or not - few people use partial insurance anyway.
Insurance will run for 30 days or until a ship from the class has exploded.

Example of options for Battleship category:
  • None - Default insurance (free)
    - Pays default 40% insurance for all types of battleships

  • Basic - Tier 1 Battleship insurance (10m/30 days)
    - Pays 100% insurance for a tier 1 battleship loss and default 40% for others

  • Extended - Tier 2 Battleship insurance (15m/30 days)
    - Pays 100% insurance for a tier 1 or tier 2 battleship loss and default 40% for others

  • Advanced - Tier 3 Battleship insurance (20m/30 days)
    - Pays 100% insurance for a tier 1-3 battleship loss and default 40% for others

  • Premium - T2 Battleship insurance (30m/30days)
    - Pays 100% insurance for all battleship categories


Obviously people who want insurance for their T2 ships or tier 3 ships might risc their insurance flying lower tiers, but in return they can fly all the ships they have in the same class on 1 insurance instead of keeping track on each individual ship...

Also perhaps the default insurance should be lowered. Not only with this suggestion but even with the current system insurance will rarely give you a huge advantage.
If I spend 30m on a tier 2 battleship to get 90m back from insurance I earned 60m. If I don't insure my ship and get 40% I earned 36m losing out 24m, but if I dont use the ship very often it might just sit in the hangar and will have lost 30m.
Insurance pays - but only if you are sure to lose your ship within 3 months.

Make a good insurance system and Im sure a default 25% insurance is good enough.

Pinky Denmark

Magnus Orin
Minmatar
Wildly Inappropriate
Goonswarm Federation
Posted - 2011.08.25 17:17:00 - [2]
 

If there is ever a major change to insurance in the future, I would much rather see it be turned into a new form of contract, will various options, and given over to the players to manage.

As it is now, insurance is far too large of an isk faucet for me to ever support any tweaks to.


Pinky Denmark
The Cursed Navy
Important Internet Spaceship League
Posted - 2011.08.25 20:43:00 - [3]
 

Yes the game need a bigger isk sink... But still that is no reason to just leave a horrible system as is. Maybe getting rid of insurance wouldn't be a bad idea, but in a world where destruction is often a guarantee sooner or later why would players do insurance?

Pinky

Magnus Orin
Minmatar
Wildly Inappropriate
Goonswarm Federation
Posted - 2011.08.25 21:10:00 - [4]
 

Originally by: Pinky Denmark
Yes the game need a bigger isk sink... But still that is no reason to just leave a horrible system as is. Maybe getting rid of insurance wouldn't be a bad idea, but in a world where destruction is often a guarantee sooner or later why would players do insurance?

Pinky


Think about why you made your original post.

Was it not because you were dismayed that you often insured ships and the insurance then expired before the ships blew up?

Thats pure profit in the eyes of an insurance broker. Money in the bank baby.

Player run insurance contracts would be one of the most incredible things CCP could add to the Eve experience.

Pinky Denmark
The Cursed Navy
Important Internet Spaceship League
Posted - 2011.08.25 22:50:00 - [5]
 

Edited by: Pinky Denmark on 25/08/2011 22:53:37
I gave up on insurance long time ago. And if insured just blow up the ship before contract expires (if you remember) and buy a new ship... I wouldn't know the economics for sure but I dont think insurance is a real nice isk sink for CCP.

I do believe at some point CCP said they had the insurance to make it easier for people to PvP and not to draw isk out of the game.

Anyway I made the post because I had an idea of how to modernize the insurance system instead of just ignoring it.

Pinky

SpawnSupreme
Posted - 2011.08.26 00:49:00 - [6]
 

no no no this is how it should change first thing u see is a few check boxes starting at 40% and 50% all the way to 100%, select the % payout u desire....
next open your assets and drag drop any ship u want insured from any location they may be!!! then in a open box you can type in any number you choose for example 9,876,543,210 (please auto populate the , where nessesary)
from here a calculator will take your desired payout and your custom amout of insurance you request and ccp can come up with fair calculations as to what you will be billed.
on this bill that populates it have option of how to pay self or corp.
in order to get corp to pay u must have roles to corp wallet.
if u corp insure the ship the pay out goes to corp wallet no mater what pilot lose the ship.

Commander IceQ
Caldari
Spit and Ductape Maintenance
Trade Wind Commodities
Posted - 2011.08.26 09:13:00 - [7]
 

Originally by: SpawnSupreme
no no no this is how it should change first thing u see is a few check boxes starting at 40% and 50% all the way to 100%, select the % payout u desire....
next open your assets and drag drop any ship u want insured from any location they may be!!! then in a open box you can type in any number you choose for example 9,876,543,210 (please auto populate the , where nessesary)
from here a calculator will take your desired payout and your custom amout of insurance you request and ccp can come up with fair calculations as to what you will be billed.
on this bill that populates it have option of how to pay self or corp.
in order to get corp to pay u must have roles to corp wallet.
if u corp insure the ship the pay out goes to corp wallet no mater what pilot lose the ship.


I like the gist of this... make insurance like it is in RL. You set an amount, then you pay each month to maintain that payout (not a new mechanic - renting an office etc.). The big change here is that if it pays out, the "contract expires".

I can already hear the "so I insure everything for 100bil, and take a shuttle out and pop it to get the payout" arguments. If my RL car is insured for R150 000 and my windscreen gets a crack and I replace it via the insurance I don't get R150k, I just get a new windscreen. So obviously some t&c's need to be in place.

Pinky Denmark
The Cursed Navy
Important Internet Spaceship League
Posted - 2011.08.26 10:11:00 - [8]
 

Eve =! RL

In RL most people try to avoid destruction of properties
In Eve most people try to create destruction of properties

Also I bet 99,9% will either insure for full price or nothing. Letting people decide what to insure their ships for is bound to be abused.

Pinky

Ciar Meara
Amarr
Virtus Vindice
Posted - 2011.08.26 11:06:00 - [9]
 

Insurance is meant as an ISK sink.

Pinky Denmark
The Cursed Navy
Important Internet Spaceship League
Posted - 2011.08.26 12:03:00 - [10]
 

Edited by: Pinky Denmark on 26/08/2011 12:09:08
Actually insurance is not an isk sink in itself - Insurance is meant to support players being able to pvp more and have fun the way the game was intended... You can ofcourse argue this indirectly results in being an isk sink but insurance is much more than just that.

Parkes TBE
Gallente
The Scope
Posted - 2011.08.26 13:11:00 - [11]
 


-maybe implement a system where the ships that get blown up the most (statistically) are more expensive to insure like in real life this make the game more dynamic, for example this will make hulks and macks less expensive to insure but will increase when hulkaggedon is on :)

-maybe have some sort of no claims bonus lol

-also fix t2 insurance payouts because you still need to the t1 hull to produce t2 blah blah

all of the above could be a stupid idea but one thing we could all agree on its an area that needs attention


Pinky Denmark
The Cursed Navy
Important Internet Spaceship League
Posted - 2011.08.26 22:34:00 - [12]
 

Should defiantely be on the list


 

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