No, this is not another thread to say the system is broken. Its intended to be a reminder what can, and will, happen if you don't cover the rebuy for your ship. there is just about a daily thread where someone "finds" this well hidden part of the game play mechanic. So, before we dive into customer reviews of the Elite Dangerous Insurance there are a couple points to illustrate it. i added some highlights to the pictures below to make it more obvious.
1) ALWAYS check your right hand screen (4 key by default) and check the bottom corner before launch.
2) The Good, this is how it SHOULD look
3) the Bad, if it looks like this, you may want to sell some modules before you take off or make more money first by using a cheaper ship.
4) the Loan, this goes up to a MAXIMUM of 2̶0̶0̶'̶0̶0̶0̶ 600'000 credits, this is intended to help newer players as the Game in its current form expects you as a player to be little responsible
after a while and work within the game mechanics for this. Basically anything after a Cobra yo need to really start paying attention to your finances as the loan won't cover
a full rebuy anymore.
5) the golden rule: "Don't fly what you can't afford" there, i said it, as it has been once or twice before. remember you CAN fail in this game unlike many others you may have played before
6) the reason: Mr Murphy and his Law. He is alive and well. He's lurking in the shadows just behind you, ready to pounce you the first chance he get. Fly dirty? you betcha he's just looking for a chance, be that another player, an NPC type 9 or a bug he'll try to send something your way to make a point and prove his Law. anything can go wrong, it will.
here are some customer reviews on the way it works, i start out with how i learned this, back in Beta still
There are tons of Threads on this on the forum, so here are a few Examples.
Those are just a few I pulled from a quick look trough my subscribed threads, some I participated in (put in quotes to keep the Thread from being a huge wall of text) there are many many more. if you think it can't happen to you, look above and remember point 6. He's out there, looking.....
I *HOPE* this thread will save a few Commanders out there the frustration of learning this the hard way but since Blue is not a good color for me and my Remlock seems faulty, I'm not really going to hold my breath.
Addendum:
If you played a while now or even since alpha or beta, your not excluded here, if anything, from observation, your at a greater risk, be that due to complacency or greed. Yes one would think you know better but you run a risk of thinking that you made it this far without any problems, what could go wrong making a few trips without enough for the insurance, that's where point 6 will raise its head.
Good luck out there my fellow Commanders, stay safe.
Blake
1) ALWAYS check your right hand screen (4 key by default) and check the bottom corner before launch.
2) The Good, this is how it SHOULD look
3) the Bad, if it looks like this, you may want to sell some modules before you take off or make more money first by using a cheaper ship.
4) the Loan, this goes up to a MAXIMUM of 2̶0̶0̶'̶0̶0̶0̶ 600'000 credits, this is intended to help newer players as the Game in its current form expects you as a player to be little responsible
after a while and work within the game mechanics for this. Basically anything after a Cobra yo need to really start paying attention to your finances as the loan won't cover
a full rebuy anymore.
5) the golden rule: "Don't fly what you can't afford" there, i said it, as it has been once or twice before. remember you CAN fail in this game unlike many others you may have played before
6) the reason: Mr Murphy and his Law. He is alive and well. He's lurking in the shadows just behind you, ready to pounce you the first chance he get. Fly dirty? you betcha he's just looking for a chance, be that another player, an NPC type 9 or a bug he'll try to send something your way to make a point and prove his Law. anything can go wrong, it will.
here are some customer reviews on the way it works, i start out with how i learned this, back in Beta still
During Beta i worked my way up to a shiny asp stuck some guns on it and thought, hell lets see what this thing can do, heading out with a more or less stock asp and a bunch of guns on it to a resource site and engaging the local pirates, had a blast too until i lost situational awareness and kissed an rather large rock at a fairly high speed. Incidentally, that was when i did learn about insurance and more particular, insurance caps. so, now we are back in a shiny new sidewinder, frustrated but wiser. This was not what made me want to walk away tho, i went like OK, fine, lesson learned, lets do better. so back at it, trading, wheeling and dealing. working my way back up to another asp, this time i make sure i got plenty extra cash and i put some modules in as i learned more how all this works together. after a bit of trading and equipping with better modules, i got that itchy trigger finger again and went to a conflict zone around Eranin and went to the one with the capital ship as i haven't done much combat up until then i figured it be a good place to get my feet wet, learn how this ship handles and all that. shooting at some guys there nailing a few i taken a tight turn and suddenly look at the side of the capital ship.... close enough to inspect the details of its welding seams. woops. hey, no big deal, right? i did learn my lesson that first time, about insurance and all? well, one scowling claims adjuster later, i hop into that new asp he grudgingly coughed up. given, i am rather miffed at that point ticked off that i just wiped out a lot of the profits i had to pay the co-payment on that, and take of with some unneeded elan and some goods in the hold to go trade and make money back since i am apparently useless in the situational awareness department, engaging thrusters, gear up, heading for the exit, line up, boost... oh, hello Type 9 just where did you come fro...BOOOOM.
wow, sidewinders sure are cute..... (i still hear the guy from the insurance laughing) that made me turn the game off and my desk still has a indention in the middle oddly shaped like my face. i ended up taking the rest of that day off ED but in the end the draw was to strong and i started back up, far more cautious and keeping my fingers off the boost key untill i am well clear of the station (note, my situational awareness has improved since and i refrained from smacking anymore ships into rather large objects)
There are tons of Threads on this on the forum, so here are a few Examples.
Those are just a few I pulled from a quick look trough my subscribed threads, some I participated in (put in quotes to keep the Thread from being a huge wall of text) there are many many more. if you think it can't happen to you, look above and remember point 6. He's out there, looking.....
I *HOPE* this thread will save a few Commanders out there the frustration of learning this the hard way but since Blue is not a good color for me and my Remlock seems faulty, I'm not really going to hold my breath.
Addendum:
If you played a while now or even since alpha or beta, your not excluded here, if anything, from observation, your at a greater risk, be that due to complacency or greed. Yes one would think you know better but you run a risk of thinking that you made it this far without any problems, what could go wrong making a few trips without enough for the insurance, that's where point 6 will raise its head.
Good luck out there my fellow Commanders, stay safe.
Blake
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