ED: I luv it ... i hate it

Jaiotu

Jaiotu
Sorry to hear your bad fortune.
Unfortunately this is a lesson about not "living above your means." The insurance cap is there for good reason. If you could go into infinite debt then risking your expensive loadout would be no risk at all. The max loan cap has not been a hidden feature so you should have saved up the rebuy cost of your Python before you ever bought it. Investing all of your credits into something that can be lost in a split second of attention loss or, as in your case, a misbehaving PC, was a judgement error. Consider it a lesson learned.
I'm not trying to be harsh. I get it. While it's not on the level of losing a Python (I don't roll with the kinda cred) I just lost my Type 6 that was full of rare commodities because stupid me wasn't paying attention to the fuel gauge. Ran out in an uninhabited system and didn't have a fuel scoop. Like I said... its not on the same level as losing a python but I was really counting on the payoff from those rares. It hurt but I'll recover. So will you. You earned your python once so you know you can do it again.
Good luck Commander.
 

Rath

Rath
Jaiotu said:
Sorry to hear your bad fortune.
Unfortunately this is a lesson about not "living above your means." The insurance cap is there for good reason. If you could go into infinite debt then risking your expensive loadout would be no risk at all. The max loan cap has not been a hidden feature so you should have saved up the rebuy cost of your Python before you ever bought it. Investing all of your credits into something that can be lost in a split second of attention loss or, as in your case, a misbehaving PC, was a judgement error. Consider it a lesson learned.
I'm not trying to be harsh. I get it. While it's not on the level of losing a Python (I don't roll with the kinda cred) I just lost my Type 6 that was full of rare commodities because stupid me wasn't paying attention to the fuel gauge. Ran out in an uninhabited system and didn't have a fuel scoop. Like I said... its not on the same level as losing a python but I was really counting on the payoff from those rares. It hurt but I'll recover. So will you. You earned your python once so you know you can do it again.
Good luck Commander.
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Where in the game is this loan and its cap DISPLAYED for everyone to see?? Please enlighten me...
 

Jaiotu

Jaiotu
Rath said:
Its people like you that make this game rubbish - the point is, the loan system is broken and flawed and is an end game breaker for a lot of folk.

I cant believe they've capped this loan at 200,000c?!

Even though in the Creditor section its calculated your loan and said you will get a 10% hit till its paid off to then tell you at the very bottom that you cant do it... It's like they don't expect anyone to fly the big ships yet.
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That's harsh. Seriously... the loan system supposed to be a buffer for people just starting out in the game. Allowing advanced players who can afford the big toys to go into infinite debt would be a huge mistake and would be abused by griefers who can continually put their ship on the line without worries of any real consequences.
 

JeffCraig

J
The ship buy-back is definitely my least favorite aspect of ED, and is something that is going to cause a lot of QQing in the long run. I'm just glad SC does insurance a different way (up-front fees & cool-down times that get longer the more you explode), because it would be a whole new level of rage if we lost ships that were purchased with real money this easily.

That being said, OP took the risk to fly without enough to cover the costs. Make sure you don't make the same mistake, because it can easily be game breaking for most people.
 
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Blake_Dragon

Blake_Dragon
flawed or not, its is part of the game design. as others stated, its to help out new players while the idea is for the more experienced to reserve the money to re-buy our ship. it does show you the cost for that at all times on your right hand screen, right below your ratings and its not all that hard to keep an eye on it to make sure you do have more money then what you need in a case of catastrophic air loss.
i do feel your pain to some extent OP, i was simply lucky to learn this small fact during Beta when i got a tad to confident and plastered and Asp twice in short succession, first in a dog fight in a asteroid belt by not looking where i was going (side note, rocks hurt) and then having barely enough to replace the ship getting a new asp trying to go back out and i think i was doing some some trading to replenish my money and taken off a tad to slick and to hurried, frustrated i'm having to pay back the loan (e.g. earning less money per trade) only to bang my new asp into a station wall..
hello sidewinder, long time no see.
i was close to quitting then not as much mad at the game as at my self for throwing away all the progress. the game still had and continues to have enough draw to pull me back in and buckle down again to work my way up.
i think the trouble is that that little cap is not well advertised, i could say oh its the lack of a manual. but to be honest, i don't think i would have read a manual to this game in that much detail to learn that f it was in there, unless its in huge letters on the back that says DON'T PANIC you have 200'000c insurance.
not sure how the rest of you are with manuals, i can only speak for me there. like it or not, its part of the design, good bad or ugly.
OP, sorry for your loss, i do hope you find the drive to start up again, remember, this game is still young, it has a lot of potential to stretch its legs and grow up into something spectacular. if the frequency of patches during last (work) week is any indication, they are working on it, hard, trying to get us to that spectacular part. good luck commander and keep a weather eye on the rebuild cost indicator.

 
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snotface

snotface
Jaiotu said:
That's harsh. Seriously... the loan system supposed to be a buffer for people just starting out in the game. Allowing advanced players who can afford the big toys to go into infinite debt would be a huge mistake and would be abused by griefers who can continually put their ship on the line without worries of any real consequences.
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I( am a long time player of Elite (BBC B/Acorn Electron days) and I find that people only complain when they feel so upset about losing their toys. Now he lost his big ship, well boo who. I do not understand why people would have all that money and not have a second ship just in case something like this happens. I started this game only 3 hours after it was released and I have not got a 10th of the cash he has so he should see himself as very lucky, just like all Beta testers who knew where to go to make cash very fast.

I have this same problem with my window crashing down to IE all the time, and the simple answer for me is to close the dam IE program all together. I find it more annoying that you buy a docking computer and get blown up because some noob in a bigger ship just smashes his way through the space station entrance smashing you into the wall and popping you. I think this is a little more annoying than losing a little ship.
 

Rearden

Rearden
Lowie said:
wy save tears????? let ppl QQ over the place , if aint bugs its their own fault , FD dumbed down the game already lots of times , the buttom is reached already

this is a choice ingame , there should be tears , tears can preventend by using game mechanics
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Well, just because the insurance could be payed up front doesn't mean there would not be an option not to pay it.
 

SpaceUK

S
The real problem was YOU, by not making sure you at least had the money to cover the rebuy. Given what you said about blowing tons of cr on testing ship prices (huh?), I'm not surprised this has happened to you. This isn't gamma anymore, making the kind of cr needed to buy and maintain a Python AND having enough left over to cover insurance costs is much, much more difficult now that certain exploits have been fixed (I'm assuming you made it this far before that was fixed). Easy come, easy go, right?

Anyway, don't take it too harshly. Maybe you try to ticket this and see if you can get a replacement. Just bare in mind, given the current state of the game, running anything like a Python or higher is not so easy anymore, you're going to have to work your ass off to keep that puppy running.
 

Ethurian

Ethurian
I'm terribly sorry, but yet at the same time, I would hope that someone who had earned enough credits to buy a Python would understand, especially since how much you could lose in a situation like this, that you need to have at least 1 insurance payment. I don't like dipping below 2 insurance payments myself, especially as I earn my living entirely in Open Play and in a Combat capacity. The times I've died have mostly been from getting rammed in my Viper by a 3rd party NPC while I've been fighting at a Nav beacon. "I JUST WANT THE CARGO" --- BOOM as I fight an Elite Anaconda, by a Cobra.

Especially now in my ASP, it's a very costly investment. The insurance bubble is a good buffer for new players to get the basics down, but to own something as expensive as a Python without having a credit buffer to support an unexpected loss is an unfortunate, but preventable problem. Even if you made an argument to bump it up, I couldn't reasonably support an insurance cap above 500k, at which point he still would have been out of luck.

I'm impatient so I know the struggle of having enough to buy a new ship, but not enough to support running it, but I also know how much I would thoroughly hate being put into that very situation.
 

jgm

jgm
So to recap: a player actively flew without enough insurance, using a PC where they have known issues of losing controls, without shields, crashed in to a wall, and people are *still* crying out that the game needs to be "fixed".

Time to take a break from the forums I think.
 

Jaiotu

Jaiotu
Rath said:
Where in the game is this loan and its cap DISPLAYED for everyone to see?? Please enlighten me...
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Does it really have to be mentioned in game? Seriously do we need a tutorial mission on how insurance works? Based on this he shouldn't have expected a loan in the first place. Where in the game does it say that a loan would be available in the first place? It is 2014 and obviously we are all on the internet. What is more, we are all on the forums. Like I said... not hidden.
 

KFBR392

K
Jaiotu said:
Does it really have to be mentioned in game? Seriously do we need a tutorial mission on how insurance works? Based on this he shouldn't have expected a loan in the first place. Where in the game does it say that a loan would be available in the first place? It is 2014 and obviously we are all on the internet. What is more, we are all on the forums. Like I said... not hidden.
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Do we really have to put warning signs on high voltage power cables? Seriously do we need tutorials for people explaining what electricity is?

I'm not taking anyone's side here. All I'm advocating is transparency of information, something which only idiots argue against.
 

Agony_Aunt

Agony_Aunt
As others have stated, the loan is a safety net for n00bs. Not for experienced pilots with Pythons. If you didnt learn to keep enough money in case of death then perhaps it is time for you to start againg in a sidewinder.

I remember making one run where i was under the insurance amount and my palms were sweating the whole trip until i docked. Never again.
 

Adept

Adept
nexxo said:
Don't fly it if you can't afford to insure it. Kind of like real life...
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This.

I'm sorry about your ship, but I also guess you made the money for it with the unbalanced trading and mining in the early Gamma. It may even be better in the long run like this for you.
 

ste

S
jgm said:
So to recap: a player actively flew without enough insurance, using a PC where they have known issues of losing controls, without shields, crashed in to a wall, and people are *still* crying out that the game needs to be "fixed".

Time to take a break from the forums I think.
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Yep. This remove all consequences and risk from the game demands that the forum is filled with is, and waiting for the devs subsequent nerf. Is pretty painful. I'd rather pretend it wasnt happening.

I think I'll just stick playing the game and grinding in my shieldless weaponless hauler without fear of interdiction just like we wanted :)
 
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soapmak3r

S
scorp said:
Actually nothing like real life.

In real life i pay my insurance up front. I dont go any buy a vehicle before i've got the money to pay for my insurance.
I dont use my vehicle, get involved in some mishap and then at that moment realise that I'm unable to pay the premium.
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What you pay in game is more like 'excess' where you pay a portion of the overall cost, which is just like real life insurance...apart from the fact that your costs don't go up with every ship that you lose.
 
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AndyB

A
related question but if you take the sidewinder, do you get the difference back in cash or is the insurance company laughing their butts off as you launch your sidewinder out of the station??Actually, why would they laugh? This seems like a good argument for up front premiums to me.. After all, how does the insurance company make any money? That's a fundamentally odd way of doing insurance ;)
 
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