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Daedalus II
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Posted - 2009.08.10 08:10:00 -
[1]
As is well known it's next to useless to insure T2 ships as their value is much higher than the insurance can handle.
I propose to add a new calculation at DT to fix this problem. For each ship type in game, every downtime a normal distribution over their price in all regions is calculated. The top value of this distribution is then used as base price of the ship to base insurance values on the following day.
If it's too much to do each DT, just do it once a week or something like that.
Then again I guess one could see this as a feature and not a problem as it makes T2 ships hurt harder to lose. Oh well, comments?
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Daedalus II
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Posted - 2009.08.10 10:34:00 -
[2]
I don't know what that troll is on...
I'm just suggesting a method of how to decide how much an insurance should cost and how much it should return for a T2 ship (or as is suggested faction ships and other ships that have a higher "real" value than "on paper" value).
Of course if you insure a HAC that costs as much as a battleship the insurance will also costs as much as a battleship insurance.
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Daedalus II
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Posted - 2009.08.10 13:36:00 -
[3]
Originally by: Ydyp Ieva They should even lower the base insurance on T1 ships, it is now just a joke to lose one. So no to an increased payout for T2 ships, at least losing a T2 ship stings. So if you can't live with that then don't fly them.
What about lowering T1 a bit and raising T2 a bit? that way no one is happy
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Daedalus II
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Posted - 2009.08.11 11:18:00 -
[4]
Originally by: Lucas Avidius Insurance in the game in general needs to work more like insurance in the real world works.
In other words: -It shouldn't pay out if you are currently criminally flagged (Used in the commission of a crime) -It shouldn't pay out if you are at war and the destroying party was a war target (what insurance company would insure something against something that can legally destroy it?) -It shouldn't pay out in 0.0 (it's legal to shoot everything there). -It shouldn't pay out on self destruct.
-It SHOULD pay out when you are suicide ganked. -It SHOULD pay closer to fair market value. -The cost of insuring should be based on real world factors including statistics showing how often stuff gets blown up, how much of that blown up stuff deserved an insurance payout, and how often your personal stuff is blown up. -It should be possible to renew insurance after the policy expires for a reduced rate.
Insurance should act as a real isk sink, and the insurance in game should be designed to turn a profit, just as real insurance companies do.
I like this idea, I've thought about something like this many times myself.
I wonder if the mechanics of EVE would allow a player corp to work like an insurance company? Are there ways to determine without a doubt under what circumstances a ship was destroyed for a third party? Or even if it actually was destroyed and it's not just an insurance fraud?
It would be fun to run such a corp. It could offer insurance such as it works in the real world: a small monthly fee instead of a one time fee for 3 month. The more you get blown up, the more you'll have to pay each month. And you could insure the whole value of your ship, not just the hull. |
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