Game is too CRUEL

You pay insurance before disasters happen, not after. I don't like the current mechanics, but that's a personal opinion. As I wrote before, I'd like to choose for an insurance at a star port, pay the fees, and in case of disaster brought back to that star port + money to buy/equip the ship I insured for the last time. Everybody happy.

Look at it this way, I insure my car, say I crash it, my insurance company will pay to get it repaired but I still have to pay the excess, so lets take this into the ED universe. The pilots federation "insures" you, they pay the bulk of the cost to replace your ship but you still have to pay some towards the cost, your excess if you will.
 
Just got my Type 7. Filled with cargo and I get interdicted for the first time on my trade route, EVER! Master Viper, destroys my modules, I'm stuck and ******. Yes I had shields.

Not enough credits for insurance. Back to Sidewinder with 2900 cr.

Maybe my own fault but still... too painful. Leaving the game. Be a warning to others - time sink and every minute can be wiped in the blink of an eye. Was playing since Beta... and I refuse to waste more time. FD, you have a problem here... not that you care and probably wont see the post. I've done nothing but praise this game, I still love it, but not with this in the back of my mind. I would have rather spent some quality time with my wife. Not going back to the Sidewinder which is now starring me in the face!

Simply not worth playing anymore. Good bye CMDR's
no one else's fault but your own. You didn't keep enough credits for the insurance

i say this having done exactly same as you with a type 7. I was back in type 6 within 2 days and now have full specked type 6, cobra and viper plus .... always make sure I have the insurance :)

Bottom line is..... Some Commanders just can't handle Elite
 
FD, you have a problem here...

Calm down, have a cuppa, sleep on it. I think you'll realise the problem is with the commander behind the wheel, not the folks that built the car. No one said you had to ignore insurance, and surely this IS part of the game... The trader, pushing his/her luck, on the edge, one 'big' run, put every last penny into some 'critical' cargo and not having learned how to avoid an interdiction. Elite reflects life. I'm sure there are lorries that crash, wiping out a haulier's livelihood, or a shop fire, or simply poor trading leading to bankruptcy. And then those people have a cuppa, sleep on it, and see what it looks like in the morning.

Many of us have been here. I learned the hard way back in Beta not to put every last penny into a ship (just as I learned not to crash into stations). Not that it helps, but I got to start Gamma in a Cobra, and took a while to amass a million credits to recently buy a Lakon 6 without having to sell my Cobra. Result, I'm effectively self-insured. If I ever crash/lose the L7 I can write it off and go back to the Cobra in the garage (although I do plan to use the L6 cash insurance too!). True, it took me longer to get to the L6 than if I'd simply traded one ship for another, but that's my choice and style of play (I'm a cautious soul).

Have a cuppa. It's a brand new day.
 

Lestat

Banned
There is a save feature on here. IF you use common sense. What I am talking about. Save your last ship That our Save feature. So if your working on a getting a Viper, Save your Out fitted Sidewinder and Hauler. If you are work on a Cobra Save your outfitted viper. So your not dropping down to a Sidewinder with x amount of credits. (Note you might have to go to the station you left it) This rule goes with all ship type you own.

I have a Cobra saving up for a Lakon 6 for exploration. I have about 3,000,000 credits Why so much. Well I want the Lakon upgraded Better Cargo hold, Long range Scanners, Detail scanners and fuel scoop. Oh insurance.
 
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Maybe another option FDev can add to the ever growing options list is for your credits to be displayed with insurance excess already removed (a "Show spendable credits" option). It's not hard to keep an eye on it, but it can be a bit inconvenient when outfitting your ship to leave the outfitting screen to check your excess.

Or maybe part of what it takes to be Elite is the ability to manage your finances!

It's called self-discipline. It doesn't need to be coded into game any more than I'd expect my bank to 'hide' some of my assets just because I'm too stupid not to spend it all on a flash car or holiday I can't really afford.
 
I feel with you (OP). The same happened to me too 2 weeks ago. Of course all the smartasses saying that thats ok and the game is hard etc. all have the same experience. But it's game design. Period. It's same as levelling a toon up to level 50 and then get pushed back to 1 to start grinding up again. Could be done a lot better, for example with pre-paid insurance instead of that surprise-bill.

total_loss.jpg
 

Lestat

Banned
I feel with you (OP). The same happened to me too 2 weeks ago. Of course all the smartasses saying that thats ok and the game is hard etc. all have the same experience. But it's game design. Period. It's same as levelling a toon up to level 50 and then get pushed back to 1 to start grinding up again. Could be done a lot better, for example with pre-paid insurance instead of that surprise-bill.

total_loss.jpg

It not the normal hold your hand MMO games. Those are bad design models. Elite Dangerous Make you think.
 
I feel with you (OP). The same happened to me too 2 weeks ago. Of course all the smartasses saying that thats ok and the game is hard etc. all have the same experience. But it's game design. Period. It's same as levelling a toon up to level 50 and then get pushed back to 1 to start grinding up again. Could be done a lot better, for example with pre-paid insurance instead of that surprise-bill.

total_loss.jpg

Smartasses? Dude, you spent the money that you needed to save your ship. Is it really that hard to keep reserves? I drove my Cobra into a wall with 200k worth of cargo on board, but had the senses to keep enough money to rebuy the ship. You don't put all your eggs in one basket, then go around blaming everyone else for you making a mistake or getting shot to pieces. If you lose your ship due to a game bug, yes you should be reimbursed. If you lose your ship because you couldn't be bothered to keep enough money in your pocket to afford a replacement? C'est la vie.

Anyone who played this game for a while will and should know that you don't buy a new ship until you have at least 1.5x as much money as it costs. Even more if you want to actually upgrade it, as module prices scale exponentially. If you made it to a Type 7, you are expected to have enough common sense not to leave the dock with a credit balance that wouldn't even pay for a window wiper on your transport, let alone the hull.
 

daan2002

Banned
I feel with you (OP). The same happened to me too 2 weeks ago. Of course all the smartasses saying that thats ok and the game is hard etc. all have the same experience. But it's game design. Period. It's same as levelling a toon up to level 50 and then get pushed back to 1 to start grinding up again. Could be done a lot better, for example with pre-paid insurance instead of that surprise-bill.

total_loss.jpg

it is ok want to know why? when you hit the number 4 key that place that says rebuy is how much it will cost to get you ship back when it goes boom its right below how much money you have in all thats not bad game design its player fault for not paying attention this is not star trek online aka care bears online
 

daan2002

Banned
It's a completely unnecessary harsh game mechanic.

in the words of Q from star trek TNG "If you can't take a little bloody nose, maybe you ought to go back home and crawl under your bed. It's not safe out here. It's wondrous, with treasures to satiate desires both subtle and gross. But it's not for the timid."

you want to play safe startrekonline.com where you need to be this is Elite dangerous emphasis on the <<dangerous>>
 
I feel with you (OP). The same happened to me too 2 weeks ago. Of course all the smartasses saying that thats ok and the game is hard etc. all have the same experience. But it's game design. Period. It's same as levelling a toon up to level 50 and then get pushed back to 1 to start grinding up again. Could be done a lot better, for example with pre-paid insurance instead of that surprise-bill.

total_loss.jpg

Oh good the pre-paid insurance argument again. So what happens when you crash your ship with no money, how do you pre-pay the next insurance?

Oh and by the way you didn't manage to spell '' correctly in your image.
 
It's a completely unnecessary harsh game mechanic.

Tosh. It's a completely fair mechanic. Why would fly something that has all your money tied up in it knowingly into a hostile environment?

It's like buying a house, not insuring it and then going back to the original owner and demanding a new one because it burned down.

Once the op has calmed down and starts again they'll be a better play for it.

I lost a carrier in eve and it stung like hell as the insurance only covered part of the cost to replace the ship but not the modules. It was an ouch moment but I got over it.
 
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DayZ is a cruel game, Elite is nice as long as you play it safe :)

OMG that is so true, and that is why I love both games. Fully geared up, got it all, ghillie suit, suppressor, scope you name it and then BOOM! made a mistake back to the coast... %^#$%!&%$#@! ... Oh yes I love it.
 
It's a completely unnecessary harsh game mechanic.

The very fact that there is a way to regress makes the game so much more interesting to me than most other games today. I can see how you might not want it, but removing it will not make the game better in everyone's eyes.
 

Lestat

Banned
The game like Poker or Black Jack or any gambling game spend money on. You could put all your money in and hope to win. But the risk in doing so is you can lose. That what Elite falls into.

Sorry no Hand holding here. Only Risk and Reward.
 
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