Trinkets friend
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Posted - 2010.04.27 03:19:00 -
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I've been playing EVE for years. I have a loot pile the size of King Solomons hoard. I have 200+ hulls of ships scattered around 123 systems. I seriously cannot remember where they all are, or what I've got. There aint no way I'm insuring them all, hence why 90% of ships remain uninsured. In fact, 9/10 of my last insurance contracts expired without a payout. And 73/78 of my losses have been uninsured.
For others in my position, who are reasonably good at PVP and get good kill/loss ratios, insurance is a non-event. I only insure BS's when going to low-sec **** systems like Amamake - and even then, I've never lost them (more luck than skill, methinks).
So, the idea of automatic insurance appeals to me, because it would cover all of my 200+ hulls. But it is also not much more than glorified space socialism and a crutch to those who cry about losing a ship because of lack of skill or missaprehension of risks (ie, visiting Amamake if you aren't aware its a **** centre in Blobistan). So, despite the obvious benefit, the current 30% default payout is fine by me.
In fact, I wouldn't mind if it was the ONLY insurance available. My biggest beef are suicide gankers. I think it's perverse that, a) you can perform a criminal act and get a 145% payout on your disco phoon you fitted a bunch of meta-0 PDU's and some smartbombs on, b) you cost another player hundreds of millions of ISK and he gets 30% of his t1 hauler hull back (wow, 300K) and he cannot insure his cargo.
If you want to reform insurance without removing suicide ganking as a profession (I am not innocent of this, having ganked a zephyr hours after they came out) then there should be a way of insuring cargo. Sure, make it cost 10-15% of material cost for your cargo with 50% payout and expire when you unpackage it at the destination, and not apply to hulls or BPCs/BPO's, but having this facility would a) take ISK out of the game; if your cargo arrives intact you've spent 15% for nothing, b) ameliorate the costs to industrialists, miners, traders from people who gank for a living, c) address a severe perversity of insurance.
Or, conversely, because it would reduce the moral cost of suicide ganking, perhaps more people would do it. I don't know.
I would also like to see pirate faction rat tags exchangeable for LP's, or even contribute toward faction item LP build costs, if these are to become more common. After all, what, really, are the low end pirate tags good for? They sell for 10 ISK. Replacing a portion of mission loot with more of this trash will see more people blitz missions, which will probably see the whole mineral market "adjust" more than was intended anyway.
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