Players losing it all and quitting - sure, their fault but not good for the game.

I wonder, can anybody else see the flaw in this thinking?

New players have nothing to lose, mate, the loan will cover them. It's a non-issue.

You are right this is a non issue for new players. It only the experience players with big ships that will lose all if they decide to risk all for a few extra credits.
 
If the idea of a (one-off) warning message is 'dumbing things down' too much (it isn't, but still...), what about an adding the warning to the audible announcements you hear when inside a space dock (e.g. "Please remember, No Rebuy, You Die, No Fly")?
 
You are right this is a non issue for new players. It only the experience players with big ships that will lose all if they decide to risk all for a few extra credits.

Actually it is a non issue for experience players it only effects new players who
don't lose a ship early because its too easy or
if they fail to understand the loan is fixed at 200k(if they die early)when they happen to boost crash into the station.
 
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Interesting your response is to turn simple feedback to the into a discussion about flawed thinking?
Anyway Loan only covers a Cobra + 200K, does not insure against time lost to recover.
 

BlackReign

Banned
It just depends. If your unfortunate to want to play open and meet the wrong people in a string of encounters within a couple of hours. Then it could be pretty bad. At half a million a pop if I got destroyed 3 times in an hour it would be sidewinder time. It's unlikely to happen if you make good use of other modes so you can play with NPC's who follow the rules and your not likely to get grief. But some people like to take too many risks and don't like the consequences.

Just glad the devs are making changes to make griefing less easy to get away with and much more costly as well as persistent bounties in the near future. That way certain people might be more inclined to play within the spirit of the game.

What changes are Devs making "to make griefing less easy to get away with"? Haven't read anything of the sort, so please share.

I play open 95% of the time and rarely even see another CMDR. And the ones that interdict me on occasion, either die quickly (if in a Viper or Cobra), or enjoy the view of my ship fading from view as I boost away.
 
I'd go for a simpler solution based on typical insurance in real life. 200K insurance free for everyone. If you want more coverage, you can opt to pay additional premiums. Either a % off all payments made to you in-game until the amount is paid for (If you are low on creds) or a set pre-paid fee to cover your ship type and upgrade replacement cost. Bigger the ship, the steeper the premiums obviously.

Order of insurance payouts should go:

- Ship replacement
- Upgrade replacement
- Bounties

If you run out of insurance money (due to not paying for additional coverage, for example) and cannot afford the replacement ship then Sidewinder and 1K.

Or you get the ship replaced, but you may not have enough for the upgrades.

If you are covered for the ship and upgrades, but cannot pay off the bounty then the balance is on your head when you head out again.

As in real life, the rates should go up with each claim. That can also go down over time as long as there are no other claims.

If my house burns down, I know I'm covered by basic insurance. However, if I have a Picasso in my living room and don't pay to have that covered, then it's gone. A rowboat is affordable to insure. A fifty meter motor yacht is a little pricier.

My $0.02 anyway. :D
 
I think best and simple cure for this is to make buyout available even after respawn in Sidewinder. Sure it would take time to earn that 5mil again for buyout but it still be a small fraction of 200mil grind timewise.
 
really simple solution to this was mentioned ages ago in a similar thread... and that suggestion was to make the rebuy cost appear in RED if you do not have it on your commander status screen and appear in green if you have the funds for the rebuy...

I would further add that in the 'tutorial missions' FD should make a mission where the player loses their ship without the credits to rebuy... and introduces them to the insurance loan system to pay their rebuy with the various areas for checking if they have the funds and how to use the loan shark etc pointed out to the player in the tutorial as well as spelling it out for them that if they launch without the rebuy cost and the loan cannot cover their cost of the replacement ship then they are declared bankrupt...
 

BlackReign

Banned
I'd go for a simpler solution based on typical insurance in real life. 200K insurance free for everyone. If you want more coverage, you can opt to pay additional premiums. Either a % off all payments made to you in-game until the amount is paid for (If you are low on creds) or a set pre-paid fee to cover your ship type and upgrade replacement cost. Bigger the ship, the steeper the premiums obviously.

Order of insurance payouts should go:

- Ship replacement
- Upgrade replacement
- Bounties

If you run out of insurance money (due to not paying for additional coverage, for example) and cannot afford the replacement ship then Sidewinder and 1K.

Or you get the ship replaced, but you may not have enough for the upgrades.

If you are covered for the ship and upgrades, but cannot pay off the bounty then the balance is on your head when you head out again.

As in real life, the rates should go up with each claim. That can also go down over time as long as there are no other claims.

If my house burns down, I know I'm covered by basic insurance. However, if I have a Picasso in my living room and don't pay to have that covered, then it's gone. A rowboat is affordable to insure. A fifty meter motor yacht is a little pricier.

My $0.02 anyway. :D

Man you have some great ideas, but remember, this thread was about a gamer that decided to NOT use insurance, only to whine about the game not forgiving him for his own choices.

I would love to see an "Insurance Ideas" thread started as you and others have some excellent ideas.
 
Man you have some great ideas, but remember, this thread was about a gamer that decided to NOT use insurance, only to whine about the game not forgiving him for his own choices.

I would love to see an "Insurance Ideas" thread started as you and others have some excellent ideas.

"Insurance Ideas"... if only I could tell my younger self the upcoming joys that the Elite of 2014 would bring.
 
Can't please all the people all the time.
That said, a nice warning that you can't cover the insurance before undocking would be nice.
They warn you about landing gear too, after all, even *seconds* before its done deploying.

Elite is incredibly bad about presenting important information to players, annoyingly so even, so insurance is easy to miss.

Agreed, it's easy to miss things in the panels, I always knew about the insurance or "replacement cost", but I never noticed that the replacement cost was listed on your right panel until recently. I'm not sure why I always glossed over it.. maybe the location, maybe just to busy to notice.

Perhaps the Dev's should add a little warning when you dip too low in your funds to cover the costs of insurance. Make a toggle switch for those who don't wish the warning. Oh and maybe even have the station announcer say something about flying uninsured, along with their speed warnings.
 
Agreed, it's easy to miss things in the panels, I always knew about the insurance or "replacement cost", but I never noticed that the replacement cost was listed on your right panel until recently. I'm not sure why I always glossed over it.. maybe the location, maybe just to busy to notice.

Perhaps the Dev's should add a little warning when you dip too low in your funds to cover the costs of insurance. Make a toggle switch for those who don't wish the warning. Oh and maybe even have the station announcer say something about flying uninsured, along with their speed warnings.

There's no need to be constructive.
 
What changes are Devs making "to make griefing less easy to get away with"? Haven't read anything of the sort, so please share.

I play open 95% of the time and rarely even see another CMDR. And the ones that interdict me on occasion, either die quickly (if in a Viper or Cobra), or enjoy the view of my ship fading from view as I boost away.

There's a whole bunch of changes coming. https://forums.frontier.co.uk/showthread.php?t=101378&page=15&p=1575950#post1575950

But specifically on murder type griefing as opposed to actual piracy. Straight from the lead designers keyboard.

* Murder is not serious enough: This is an interesting one that has a couple of different strands to unpick. Firstly, we are looking to add in a future update a change that will cause any bounty claimed to become a special, non-expiring fine for the perpetrator. The idea is that when you commit a crime you are expected to pay at some point. Currently some game play flow options remove the bounty completing when you are killed, which is not what we want.

It's also worth noting that a bounty is not simply a fine to pay (otherwise it would be called a fine). It is also a green light for you to be attacked. In fact, this is undoubtedly the more serious part of the punishment. I think we still have some way to go to tweak background events to pick up on Commander bounties more (as in, when you fly around with a bounty the game takes it into account when deciding what to generate in the game world near you).

We already have a system that keeps bounties alive when you are killed but they are not claimed (dormant bounties). I just think it would be too punishing to have bounties that kept on being active after respawning. Sure this would not be an issue for the tiny minority of super wealthy Commanders, but our data suggests that losing a ship is a non-trivial event for the majority of pilots - and having a more or less permanent target on your back would likely just stop people committing crimes. That's my current take, anyway.

We are considering bounty adjustments based on some difference metric between Commanders (for example, Elite Commanders getting slapped with a bigger bounty when attacking lower rated pilots, or perhaps based on ship strength).
 
It's perfectly fine for the game. Leave it be. We don't need them.

There are plenty of games where you lose things when you die and they had more than ample chance not to. Stop trying to turn this game into a care bear station for people that can't read basic instructions, just go out and do whatever without having a clue what they were risking and then complain about it. There's absolutely no excuse for having played long enough to be in an expensive ship and having not learned yet. Those types of people will NEVER learn and will always complain.

The game is already mind numbingly easy as it is and should be much harder. That is causing it to lose more players than the few that got Darwin'd.
 
I want to point out that a loud minority does not indicate that there is a problem with a game, other games have changed things by listening to the loud minorities, and ending up pushing the silent majority, that are simply playing the game and enjoying it, away and then the game dies.

Personally I am enjoying elite much much more then any other game in a long time, keep up the good work Frontier!
 
Flying without insurance is an intelligence test.

I did once myself, (though I still had my fighter), when I miscalculated the cost of the rebuy vrs cargo. I knew it before I took off, and took the risk. I was also very very extra careful docking and haven't been that alert in game for quite a while. It was my choice, and if I died, even to a bug, I'd not have come whining on the forums.

There is no reason that hands must be held for all stages of a game. Most of the people whining about this are not noobs but fools who took off in pythons or the like without rebuy insurance. Its insanity and they deserve their fate.

Welcome to PC gaming, where your brain can matter. People too stupid to figure this out are NOT good for the game and will most likely leave as soon as anything makes their time "wasted". You know like PVP, or an death to NPC pirates, or whatever interferes with their self centered existences.
 
So many people here would rather see this game dwindle down in population with "punishing actions" vs try to keep the game growing. WoW removed the punishing action of corpse running that EQ had and I would say that worked out really well for Blizzard and not so well for EQ. I forget though that everyone here wanted this game to be single-player instead so having a small pop would make it better for them.

I don't equate holding people's hands with having an extra reminder saying, "You have insufficient funds for insurance." Possibly better if there was a training mission "How Insurance Works" that put you in a python, have a notification that told you to look at your current funds of 20K, then another to look at your rebuy cost. Then told you to undock despite having a "WANTED" status and have a security ship immediately scan you and you get destroyed. You succeed the mission by choosing to give up the Python and be put back in your sidewinder.

Personally I liked seeing commanders flying around. Guess I'm a minority.
 
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Man you have some great ideas, but remember, this thread was about a gamer that decided to NOT use insurance, only to whine about the game not forgiving him for his own choices.

I would love to see an "Insurance Ideas" thread started as you and others have some excellent ideas.

Point taken. I do think a more evolved insurance system would keep people engaged longer. There should be some loss resulting from a game death, but saying goodbye to a fully uprated Anaconda would not be easy for me to accept.
 
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