The 'game' does NOT tell what the insurance will cost when you are looking to buy it!
- Thread starter MACMAN86
- Start date
that's because you dont buy insurance, it comes with the ship. there is an excess to be paid when you lose your ship, this is listed on the right hand panel.
If you mean when you already lose your ship and the insurance screen comes up, you can't see the cost? That is a bug/glitch. The best thing to do when that happens is don't buy it. Shut the game down and restart it. The insurance screen should be back to normal.
This was already posted yesterday. Check it out.
look at the right panel, it tells you what percentage of the price is covered by your insurance. from there all you need is a calculator.
Wether it's cars, jewellery, boats or spaceships - if you have to ask, you cannot afford it
I would suggest not buying any new ship until you have a generous buffer on top of the hull price anyway, even if you can afford the insurance - equipped with nothing but the stock loadouts and not enough cash to buy decent weapons/cargo makes it a pretty bad investment.
I would suggest not buying any new ship until you have a generous buffer on top of the hull price anyway, even if you can afford the insurance - equipped with nothing but the stock loadouts and not enough cash to buy decent weapons/cargo makes it a pretty bad investment.
Price of ship on shipyard screen X .05 = base insurance price.
Sure the game doesn't tell you straight up what the insurance will be before you buy the ship but it's very easy to figure out. When you upgrade said ship, insurance is 10% for modules iirc.
I do agree, though, that this kind of basic information should be on the sticker BEFORE you commit to the purchase. At any rate - just calculate 5% of the purchase price and that's going to be your insurance fee if you blow up.
As a general rule, though, I don't buy a ship unless I've cleared it's purchase price by at least 20%; I have to have some money left over to put the thing to work (whether it be for cargo runs, or to install an FSD Interdictor or something).
As a general rule, though, I don't buy a ship unless I've cleared it's purchase price by at least 20%; I have to have some money left over to put the thing to work (whether it be for cargo runs, or to install an FSD Interdictor or something).
FOR anyone who brought the game back in beta and did the alpha / beta testing etc and those where were backers I believe its 5% the value of the ship for everyone else who brought the game and did not start to play until release day it's 10% the value of the ship if I am not mistaken
so if that type six is going to cost you 1 million to buy, its best to have at least 1.1 million in the bank to allow for at least 1 go at the insurance
Yeah, but those 1.1 mil would be the bare minimum. As I'd be planning to have additional money to buy stuff to trade with and maybe even buy a few extras in equipment (raising the insurance cost) I'd buy a ship costing 1 million credits no sooner than having at least 2 million credits, just to be on the safe side, especially if it is a trader.
MACMAN86
Banned
So you all see my point. By the time you are to buy a very costly ship the insurance coulst alost cost a huge amount. As there's no test-drive ither we should be able to be a full 360 view of these in the shipyard. I find myself always going on youtube only to check out each ship first. Well, that's not in the game now is it!
Because basic mathematics is hard. Seriously people, are we all so daft that the game needs to point out everything? You want a 22 million ship? Don't buy it until you have at least 33. Why? Because you need to buy modules for it as well anyway, and the modules will scale up in cost fast and around A rank they can cost about half your ship, or even more. So you keep a healthy buffer, and you don't need to nickel and dime the damned insurance money. But if you really want to go Uncle McScrooge on it, always take 20% of the ship price as the insurance. There, problem solved.
Insurance cost is 10% of the cost of your ship + modules. So you can figure out your insurance with basic math.
This game really needs a default on option that deducts the insurance cost of your ship from your current available credits. The only way to not have insurance available is to manually toggle the setting off.
As some have already pointed out, there is a way to calculate the approximate re-buy cost.
Apart from that, just be on the safe side. Don't buy a ship when you can see it's gonna be a tight squeeze cr wise.
Just keep on making money for another day or so, and you won't have to worry about not being able to afford a re-buy.
I know, that demands a bit of patience....but hey, patience doesn't cost cr.
Apart from that, just be on the safe side. Don't buy a ship when you can see it's gonna be a tight squeeze cr wise.
Just keep on making money for another day or so, and you won't have to worry about not being able to afford a re-buy.
I know, that demands a bit of patience....but hey, patience doesn't cost cr.
MACMAN86
Banned
To assume insurance is always 5% is daft unless you designed the game yourself. Would it surprise you if all of a sudden your insurance gets ramped up to 20% because you crashed your previous ship? We as players are not to know all the game mechanics not outlined in the manual. We would BENIFIT in being told this simple infomation upon looking into purchase. NEVER assume you think you know it all when in fact anything could happen and does.
Yes we do know what percent our insurance is at. You just shift your bloody status tab to where it displays your ship insurance amount. It's on the right hand side and cleary visible and readable. Right now for me it reads that Ship Insurance is 96%, which means I have to pay 4 % of my current ship cost to get my ship back. So I bump it up to 10 or 15 to be sure I can afford my modules again, and go with that. It's not rocket science, it's common sense.