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blankseplocked i keep see insurance this my take on it!
 
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SpawnSupreme
Posted - 2011.08.26 00:59:00 - [1]
 

Edited by: SpawnSupreme on 26/08/2011 01:49:36
this is how insurance 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 and or items u want insured from any location they may be!!!
from your assets u can drop items and or u drop a fitted ship and the insurance contract will itemize and u can uncheck any items on ship u not want insured, watching the built in calculator auto changing the total cost as u add or subtract ships or items.
all items that are destroyed on kill mail that are insured and fitted at market value populate on an itemized loss mail that shows pay due for all insured items.
from here a calculator will take your desired payout and your custom amout of insurance u 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.

SpawnSupreme
Posted - 2011.08.26 01:28:00 - [2]
 

Edited by: SpawnSupreme on 26/08/2011 01:39:57
i would like to add that any pos you have ship maint bay and corp hanger populate on your assets if you select hidden assets button in options menue when you hit the ESC key.
only members with the proper roles can view and or insure items in said pos.
if the ship or item is not in jita market than the item is uninsuable.
the insurance calculator will work on jita market values. (BY DEFAULT)
or it can check current region values and if not in current region then it will test against jita market.

SpawnSupreme
Posted - 2011.08.31 07:32:00 - [3]
 

bump

SpawnSupreme
Posted - 2011.09.01 22:37:00 - [4]
 

this is a way to fully or at least mostly insure ur ship such as u wanna insure ur 1 bill ship and your officer mods provided they are destroyed as a fitted mod they can pay you well to reinburse.

Zin Zy
Posted - 2011.09.02 13:59:00 - [5]
 

Edited by: Zin Zy on 02/09/2011 14:01:06
Biggest problem with you suggestion, is inflation.
Say you have a Marauder with a lot of officer mods, costing you 3 bill. If you lose it and everything was insured, you would get a 3 bill payout and buy the new ship right away. This means items will be sold quicker and demans will rise. When demand rises, prices rises aswell. Having 50.000 players use insurance would only make this rise very quick and you would only have gained nothing....

EDIT: Seen from a personal perspective, it's a good idea. Seen from a "universe" perspective, it's a really bad idea.

Joe Risalo
Posted - 2011.09.02 15:43:00 - [6]
 

You can't do this...

Reason why is because this game is designed for you to lose money when you lose a fitted ship.

Other wise you would have everyone flying around in the most expensive ship they can find that has high dps so that they can down other players quickly.

There would no longer be any risk involved in pvp'ing which would take away the point of pvp.

Alliances wouldn't be able to take sov from other alliances because every super carrier or titan they destroy is imidiately replaced with a new one cause it was insured at full price with fittings.

Now, one thing I would like to suggest is that t2 ships have a higher insurance rate.

I say this because t2 ships are recognized as being t2. They're built by specific ppl for specific uses for the 4 primary factions.

These t2 should be insurable for I would say 50%.

Navy issue ships should also be insurable for 50% of their value, instead of the value of their t1 counter parts.

However, because of the faction the pirate faction ships aren't created by either of the 4 main factions, and created by illigal pirates, pirate faction ships would not be insurable for more than their t1 counter parts.

I personally don't care if my pirate faction ship is insured for much, cause I understand, it's a pirate ship.

However, t2 and navy ships on the other hand are recognized ships of the 4 main factions and should be insurable for more than the t1 value. So a golem would be insurable for 350 mil or so instead of the 70 of a raven.

It's still a substantial loss, but it's not as devistating, and like I said, since it's a primary faction creation and recognized as so, it should be insurable for more.

steave435
Caldari
Sniggerdly
Pandemic Legion
Posted - 2011.09.02 18:00:00 - [7]
 

Quote:
since it's a primary faction creation and recognized as so

Come back when you have a gameplay based arguement. Just because you can find a way to RP justify something doesn't mean it's good.


 

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