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blankseplocked Decent Insurance for T2s
 
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Lone Provider
Posted - 2009.11.23 13:21:00 - [1]
 

Can something be done about the Insurance System for T2 ships, maybe use the current market prices as a guide! The current system doesn't, in no way, do justice to the price of T2'sMad

Robert Caldera
Posted - 2009.11.23 13:25:00 - [2]
 

Insurance should be removed entirely, even for T1.
Pay the stuff you wrecked for yourself.

Rashmika Clavain
Gallente
Posted - 2009.11.23 14:02:00 - [3]
 

Try using EVE-Search.

To reiterate... insurance reflects the hull value. this does not correlate to the value attached to the hull by a player/manufacturer or market and nor should it.

Aazu
Posted - 2009.11.23 14:20:00 - [4]
 

Originally by: Rashmika Clavain
Try using EVE-Search.

To reiterate... insurance reflects the hull value. this does not correlate to the value attached to the hull by a player/manufacturer or market and nor should it.


Your telling me a car can't be insured for more if its been modded?

Kahega Amielden
Minmatar Ship Construction Services
Ushra'Khan
Posted - 2009.11.23 15:28:00 - [5]
 

Originally by: Aazu
Originally by: Rashmika Clavain
Try using EVE-Search.

To reiterate... insurance reflects the hull value. this does not correlate to the value attached to the hull by a player/manufacturer or market and nor should it.


Your telling me a car can't be insured for more if its been modded?


Don't try to apply realism to the insurance model. It doesn't work. If EVE insurance were a real business they'd have gone bankrupt within two weeks.

Myrkala
Minmatar
Rebel Inc
Posted - 2009.11.23 16:38:00 - [6]
 

Yep, insurance actually introduces more ISK into the EVE economy.



* Player A builds Ship X.

* Player B has 15 isk, total amount of isk in the game is 15 isk.

* Player B buys Ship X with 10 isk.

* Player A now has gained 10 isk.

* Player B now has Ship X and 5 isk left.

* Player B insures Ship X using the 5 isk left.

* Ship X blows up, Player B receives 17 isk from NPC insurance.

Total amount of isk in the system is now 32 isk.

Builders can actually destroy their own insured ships to convert their effort of building them into isk, but they don't make as much when selling them to other players.



So over all, insurance is bad for the eveconomy.

malfoy
Posted - 2009.11.23 16:48:00 - [7]
 

Originally by: Kahega Amielden
Originally by: Aazu
Originally by: Rashmika Clavain
Try using EVE-Search.

To reiterate... insurance reflects the hull value. this does not correlate to the value attached to the hull by a player/manufacturer or market and nor should it.


Your telling me a car can't be insured for more if its been modded?


Don't try to apply realism to the insurance model. It doesn't work. If EVE insurance were a real business they'd have gone bankrupt within two weeks.



still the same now sadly.

Lone Provider
Posted - 2009.11.23 16:48:00 - [8]
 

Edited by: Lone Provider on 23/11/2009 16:49:47
Originally by: Myrkala
Yep, insurance actually introduces more ISK into the EVE economy.



* Player A builds Ship X.

* Player B has 15 isk, total amount of isk in the game is 15 isk.

* Player B buys Ship X with 10 isk.

* Player A now has gained 10 isk.

* Player B now has Ship X and 5 isk left.

* Player B insures Ship X using the 5 isk left.

* Ship X blows up, Player B receives 17 isk from NPC insurance.

Total amount of isk in the system is now 32 isk.

Builders can actually destroy their own insured ships to convert their effort of building them into isk, but they don't make as much when selling them to other players.



So over all, insurance is bad for the eveconomy.


I never said it has to be the total value, just better then now. If I have to pay 120mill for a HAC, it would be nice to at least get 60-80mill back







Myrkala
Minmatar
Rebel Inc
Posted - 2009.11.23 16:57:00 - [9]
 

It doesn't matter what amount you make the insurance, even if its just 1 isk you are injecting more and more isk into the economy. Which is bad, everything goes up in price but CCP has *some* control over it with NPC sell orders.


So nope.

fuer0n
Posted - 2009.11.23 16:57:00 - [10]
 

Originally by: Lone Provider
Edited by: Lone Provider on 23/11/2009 16:49:47
Originally by: Myrkala
Yep, insurance actually introduces more ISK into the EVE economy.



* Player A builds Ship X.

* Player B has 15 isk, total amount of isk in the game is 15 isk.

* Player B buys Ship X with 10 isk.

* Player A now has gained 10 isk.

* Player B now has Ship X and 5 isk left.

* Player B insures Ship X using the 5 isk left.

* Ship X blows up, Player B receives 17 isk from NPC insurance.

Total amount of isk in the system is now 32 isk.

Builders can actually destroy their own insured ships to convert their effort of building them into isk, but they don't make as much when selling them to other players.



So over all, insurance is bad for the eveconomy.


I never said it has to be the total value, just better then now. If I have to pay 120mill for a HAC, it would be nice to at least get 60-80mill back









people abuse real life insurance companies on a daily basis. how woould you stop this.

Misanthra
Posted - 2009.11.24 02:28:00 - [11]
 

Originally by: Robert Caldera
Insurance should be removed entirely, even for T1.
Pay the stuff you wrecked for yourself.



If you are a carebear, yeah insurance not an issue. If after doing damsel in distress 20 times you don't know how to run it well, you should need to buy new ships on your own dime. But...


Insurance is more for the noobs...and pvp'ers.

Eve with its ship losing policy would lose I'd say 50% of trials as potential subs at burning down the hive alone. Till you know what you are doing...hard mission and most peeps introduction to warp scramblers (and its the hard way for most).

PvP'ers...me personally always down for suicide roams in null sec. Personally I am anti blob. Like me a nice small roam, trailer trash fit. We get a kill, its not because its 10 bs' t2'd out and spider RR'ing. Have fun, maybe kill a t2 with a ship less than 5 mil fitted and if ship lost...money for the next suicide ride in the bank when my pod gets back or I find an even quicker way home :D. PvP doesn't have the benefit of running the same mission 20 times. On a bad night, hunter can become the hunted on a roam if your reds actually coordinate a thought out response to you tagging their ships. Insurance keeps pvp up...lose a ship, pick up new one with the payment and hope next roam fairs better for you.


Better T2 insurance would be nice to get back to OP. As an inty flyer, does suck pulling the duty in a ship that if you zig instead of zag and mess up your speed tank...20 mil isk before fitting pops real quick.


Becq Starforged
Minmatar Ship Construction Services
Ushra'Khan
Posted - 2009.11.24 03:15:00 - [12]
 

While I'm sure there are few T2 pilots who wouldn't accept a huge payout from the NPC insurers eevry time their ships pop, the basic truth is that from a PvP perspective, insurance is bad because it makes ship loss more trivial, and from a game economy perspective it's bad because it injects new money into the game that leads to inflation.

As a side point, if T2 ships were insurable, I promise you that T2 ship prices would shoot up due to vastly increased demand; after all those who lost them would be able to afford to replace them easily, and those who shy away from them due to the risk of losing them would no longer do so.

I lean toward agreeing with those who want to nerf T1 insurance. However, to avoid penalizing new players, perhaps insurance costs should be linked to playing time, much like the SP bonus for new players is. So a player who just started playing can insure a ship for the current prices, but after a few months, platinum insurance is no longer offered (existing insurance remains until it expires normally). Then some time later, the next tier is no longer available, and so on until 'veteran' players (or at least players who should be able to judge risks based on experience) recieve only base insurance and cannot upgrade it.

Misanthra
Posted - 2009.11.24 04:24:00 - [13]
 

T2 already common in null sec. Most places require at least 2 t2 ships in your hangar or expect training to them being on your priority list. Inty and Hac. Not popular in empire and probably never will be. Prices wouldn't change much with insurance boost. Heres why picking the common t2's.


HAC...besides making level 3 and 4 interesting not going to be common. Needs cruiser 5 and weapons upgrade 5, and a whole bunch of other 5's. By the time you got those...should be out of lv2 and if hardcore missioning well on the way to lv 4 if not there already and thinking a BS would make this sooo much easier.

Frigates...t2's are support rides only. Can mission on an sb, lv 2-4 frigates and drones be painful on a torp bomber since they are the torp sb's cryptonite, cruise just a bit less painful. Inty...is a point strapped to fast engine. Wanna dps lv 3 and 4 bigger ships...enjoy spinning for several minutes. AF, enjoy spinning for less time than an inty lol.

Dictors...why even bother in empire if no pvp ambition. Slower than a frigate so will get tagged more (less speed tank) and can't blow bubbles in empire.

basically T2 are fleet support ships. Wastes of tim in empire as there are better options to be had. Tweaked T1 or cash in your lp's for faction (or buy em on contract).

Arthur Pewty
Zener Tech.
Skynet 7
Posted - 2009.11.24 06:16:00 - [14]
 

I don't believe this will ever happen. At the last FanFest I attened it was stated that Insurance was there to protect the starting player, not T2 ships.


 

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