Insurance – Immersion question

jms

J
I have a –purely immersion related smartaXX - question in regard to insurance.

I understand how insurance works in the game… But how exactly does is work out?

So there is this big insurance company that gives me a brand new ship every time I mistake landing gear and boost for only 10% of the original value or a brand new sidewinder?

How do they fund this ? :rolleyes:
 

Chevy66

C
It would be better if you could choose to either pay insurance premiums or not, if you don't pay and crash it's back to the sidewinder
 

Wrongway

Wrongway
It would make sense to pay an insurance premium at the start of either a trip you intend to take or to cover a period in time in much the same way as we do in real life. I would love a car or house insurance where I dont pay anything until I have an incident and only then have t pay 10% of what I lost to get a new for old replacement. I have a feeling if we did work this way in real life the insurance companies would go out of business.

Must be the way insurance companies have evolved in the 3300's
 

Tronicus

T
jms said:
I have a –purely immersion related smartaXX - question in regard to insurance.

I understand how insurance works in the game… But how exactly does is work out?

So there is this big insurance company that gives me a brand new ship every time I mistake landing gear and boost for only 10% of the original value or a brand new sidewinder?

How do they fund this ? :rolleyes:
Click to expand...

Well, you see, its kinda like this: There are taxes in game that you don't see. Sales tax on ships, fuel taxes, trade commodities taxes, heck there's even taxes on missions! all that tax revenue goes back to the galactic tax man, who is also responsible for ship insurance. So it is all paid for by us! ;)
 

sun_tzu

S
More to the point when you blow up in space surely you are dead and whilst you may get a shiny new ship from your insurance premium but you wouldn't be there to fly it (though that much realism may be a bit too much)
 

jms

J
Tronicus said:
Well, you see, its kinda like this: There are taxes in game that you don't see. Sales tax on ships, fuel taxes, trade commodities taxes, heck there's even taxes on missions! all that tax revenue goes back to the galactic tax man, who is also responsible for ship insurance. So it is all paid for by us! ;)
Click to expand...

That works for me! ...Immersion restored ;)
 

CrazedHatter

C
Tronicus said:
Well, you see, its kinda like this: There are taxes in game that you don't see. Sales tax on ships, fuel taxes, trade commodities taxes, heck there's even taxes on missions! all that tax revenue goes back to the galactic tax man, who is also responsible for ship insurance. So it is all paid for by us! ;)
Click to expand...

You're entirely too smart for your own good, immersion restored for me.
 

[VR] Deggial

[VR] Deggial
ZeeWolf said:
Your insurance is provided by the pilot's federation. You just pay the excess/premium.
Click to expand...

Exactly this. People calling the money to pay "insurance" always jarred me. It is clearly an deductible! Not that it would matter game-wise, but still.

Buy the way: the round thing in front of you isn't a "radar" neither. A radar is something that scans actively. If this would be true here, cold ships never would dissappear from the display.
Personally, I call the display DRADIS, in good old Battlestar style. Just saying... ;)
 

Kramster

Kramster
jms said:
I understand how insurance works in the game… But how exactly does is work out?

So there is this big insurance company that gives me a brand new ship every time I mistake landing gear and boost for only 10% of the original value or a brand new sidewinder?

How do they fund this ? :rolleyes:
Click to expand...

The same way an insurance company can afford to give you a new car when you wrap the last one around a lamp post.
They bet on there being more people not crashing and use their premiums to pay you.
 

Rearden

Rearden
Kramster said:
The same way an insurance company can afford to give you a new car when you wrap the last one around a lamp post.
They bet on there being more people not crashing and use their premiums to pay you.
Click to expand...

Which would make sense if you payed an annual / monthly / weekly premium and not a "when I crash" premium.
 

Kramster

Kramster
Rearden said:
Which would make sense if you payed an annual / monthly / weekly premium and not a "when I crash" premium.
Click to expand...

This is true...
The pilots fed must have membership fees which cover it and the insurance premium would then be the 'excess' payment
 

Harry Stone

H
I always wondered about that's what does DRADIS from BSG actually stand for? Was it ever explained in one of the many 'filler' episodes?
 

Wrongway

Wrongway
sun_tzu said:
More to the point when you blow up in space surely you are dead and whilst you may get a shiny new ship from your insurance premium but you wouldn't be there to fly it (though that much realism may be a bit too much)
Click to expand...

Ahh but you have a Remlok survival mask that deploys instantly much the same as an airbag does in our cars. And rescue is automatic as a result of your emergency beacon. I'm sure I read that somewhere.
 

Witzo

Witzo
Is this thread about the marketing term immersion? O dear.
If you are so inclined, think of insurance as 'out of game'.
When I want to immerse myself, I go to the swimming pool.
 

Wrongway

Wrongway
I prefer a discussion along these lines as opposed to some of the vitriolic threads that have appeared recently. Might give swimming a miss today. Too cold.
 
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