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Ethaet
Gallente
Aliastra
Posted - 2008.08.08 15:48:00 - [31]
 

Why not just completely remove insurance?

Macon Squaredealer
Squaredeal Enterprises
Posted - 2008.08.08 15:53:00 - [32]
 

Originally by: Ethaet
Why not just completely remove insurance?

They should, but they won't.

People have gotten used to being able to throw ships away recklessly for almost no loss, and would scream in rage at having consequences for stupid behavior again... like we used to have.

Slanty McGarglefist
Posted - 2008.08.08 15:54:00 - [33]
 

Wasn't Insurance meant to stabilize ship prices similar to Shuttles and tritanum costs?

Sorted
DEATH'S LEGION
Posted - 2008.08.08 16:08:00 - [34]
 

Originally by: Veldya
Originally by: Sorted

Who would insure you in LowSec,0.0WarZones, Belt Raters/mission runners (who would pay out for driving your car into a warzone etc)


A friend of mine is in the navy, he has life insurance. His premiums are much higher because of the risk factor. If he dies or gets injured during a war he gets paid out. If he dies breaking the law he wont. It is as simple as that. Laws are very clear about not profiting from breaking laws, in any way.


He is insurable because government lgislation says he has to be (in service)

We were badly flooded here a few years ago - insurance companies refused us flood insurance following afformentioned floods. The government stepped in an now an insurance company has been named for the area, (probably subsidised by our taxes, but thats another topic)

I wont get my car insurance if I drive to the beach, park up and then wonder why they wont pay/complain (after the tide comes in)

With my idea the premium (or lack thereof) would be effected by ship loss rather than zone risk - much fairer.

On the sbject about not profiting from breaking laws. A Burgular fell through a weak roof, and claimed from the occupier. Stupid I agree. But it happend.

Macon Squaredealer
Squaredeal Enterprises
Posted - 2008.08.08 16:12:00 - [35]
 

Originally by: Slanty McGarglefist
Wasn't Insurance meant to stabilize ship prices similar to Shuttles and tritanum costs?


#1 reason people quit Eve has always been "I lost my ship". The real reason insurance was implemented was to reduce the pain of a loss to a level that less people quit over it. Losing a tech 1 ship means nothing now.

What they didn't anticipate was how people's behavior would change with there being almost no ramifications for their actions (suiciding haulers and hulks increases dramatically, idiotic behaivior in fleet battles, self-destructing for the money, etc). All reducing payouts or increasing insurance costs will do is generate a reduction in that behavior.

Insurance was a bad idea that should be removed, but won't be, because so far every time CCP nerfs Eve subscriptions go up, not down. At some point they will go to far and we'll have Trammel.

Sorted
DEATH'S LEGION
Posted - 2008.08.08 16:15:00 - [36]
 

Edited by: Sorted on 08/08/2008 16:15:52
Originally by: Macon Squaredealer


Insurance was a bad idea that should be removed, but won't be, because so far every time CCP nerfs Eve subscriptions go up, not down. At some point they will go to far and we'll have Trammel.


Yeah, I made a similar point in another thread.

Mainstreaming EvE will increase subs. But it wont be the niche EvE many came here for in the offset. Build it on the backs of a niche + loyal fan base then **** them off to roll it out to the masses and increase profits.

Its not like the devs dont LOVE the game but its the people pulling the purse strings that also controll the design puppets, its just business. Such is life.

Willow Whisp
Sadist Faction
Posted - 2008.08.08 16:18:00 - [37]
 

Just give whatever insurance company in eve the same tools that GMs use for reimbursement.

"our logs show nothing that would warrant an insurance payout"

Shocked

Griff Philips
Caldari
Perkone
Posted - 2008.08.08 16:22:00 - [38]
 

Originally by: Plumpy McPudding
I prefer the soft, cottony touch of Charmin toilet paper because it does not chaff my butthole.


No way! It plugs up my toilet if I use more than 3 squares!

soldieroffortune 258
Gallente
Tribal Liberation Force
Posted - 2008.08.08 16:29:00 - [39]
 

well for all you pirates out there *****ing about how there are little to no targets, Tarminic did provide a good point, you think you have no victims now, i would be willing to bet that you would have probably 50% LESS victims if it wasnt for insurance, because people wont want to lose their ship, granted t1 ships are cheap, but they might be cheap to you and to me, but not to a one month old, 7 mil for a thorax is alot, with insurance if they lose that ship, they can get a new one, and will be a bit more willing to go to low sec and get popped, and return if they have to run only a few more missions instead of running them for another month which it took them to get that cruiser in the first place

Inertial
Did I just do that
Test Alliance Please Ignore
Posted - 2008.08.08 16:33:00 - [40]
 

Originally by: Veldya
Originally by: Sorted

Who would insure you in LowSec,0.0WarZones, Belt Raters/mission runners (who would pay out for driving your car into a warzone etc)


A friend of mine is in the navy, he has life insurance. His premiums are much higher because of the risk factor. If he dies or gets injured during a war he gets paid out. If he dies breaking the law he wont. It is as simple as that. Laws are very clear about not profiting from breaking laws, in any way.


That is different. GI-Insurance got no relation to insurance of ships in EVE. Try to insure a tank instead, and you will see. If a tank is destroyed, it doesn't have a family that will potentially be without income and therefor starve.

Sorted
DEATH'S LEGION
Posted - 2008.08.08 16:37:00 - [41]
 

Originally by: soldieroffortune 258
well for all you pirates out there *****ing about how there are little to no targets, Tarminic did provide a good point, you think you have no victims now, i would be willing to bet that you would have probably 50% LESS victims if it wasnt for insurance, because people wont want to lose their ship, granted t1 ships are cheap, but they might be cheap to you and to me, but not to a one month old, 7 mil for a thorax is alot, with insurance if they lose that ship, they can get a new one, and will be a bit more willing to go to low sec and get popped, and return if they have to run only a few more missions instead of running them for another month which it took them to get that cruiser in the first place


I wont miss shooting at 30 day old t1 cruiser pilots. no sport and no reward...


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