Thanks for all the fish

I like that the developers had the balls to make the game even slightly hard. The games industry need it. Too many people expecting to be an indestructible hero and then blaming any resistance as poor game design.

Flipside. If insurance wasn't in there, you just respawned; if you could switch Combat to Off and dodge pirates/bounty hunters; if you could trick out your ship for next to no money; if fights were always weighed in your favour; and you could burn your way up to a fully specced Conda in a month, then you wouldn't still be playing.

Rage all you want, calm down, and challenge yourself to stick a middle finger up and have another go. Enough of this weakness, be a man and fight!

edit - I have an agressive tone. It's not meant. Trying to encourage you to suck it up and pile back in, plenty of fun to be had yet
 
I will purchase a lakon 9 this evening. I thought I had enough to fund insurance + cargo in addition to purchase cost + necessary upgrades. when I sold my cobra + trading clipper i ended up with a few million less than my "total assets" amount. So I will have to fly through 150ly or so in an unarmed (well i will keep the stock lasers) Type 9 until flying back from Founders world to my normal trade route. Then i guess an hours trading will cover my rebuy cost. Will make for an interesting ride with over 100million in jeopardy and at risk of returning to stock sidewinder.

Will have 5A shields, 4A fuel scoop, 6A FSD and rest will be D components. I will need the fuel scoop to make return flight, I could drop the sheilds from A to D class, but then I increase the risk of popping.

Anyone want to suggest a "seeking luxuries" near founders world or a half decent trade route i could hit for an hour or two to make up my insurance cost before teh long flight back to my normal route? I would be grateful for a PM.
 
I like that the developers had the balls to make the game even slightly hard. The games industry need it. Too many people expecting to be an indestructible hero and then blaming any resistance as poor game design.

Flipside. If insurance wasn't in there, you just respawned; if you could switch Combat to Off and dodge pirates/bounty hunters; if you could trick out your ship for next to no money; if fights were always weighed in your favour; and you could burn your way up to a fully specced Conda in a month, then you wouldn't still be playing.

Rage all you want, calm down, and challenge yourself to stick a middle finger up and have another go. Enough of this weakness, be a man and fight!

edit - I have an agressive tone. It's not meant. Trying to encourage you to suck it up and pile back in, plenty of fun to be had yet

:)

I have no issue with the games difficulty and I'm also not expressing any rage, but thank you.
 
I could drop the sheilds from A to D class, but then I increase the risk of popping.

Not appreciably, as long as you aren't interdicted. And if it gives you enough cash for insurance it's a far safer option than just hoping you don't hit anything in your brand-new-haven't-quite-learned-how-to-fly ship.
 
I just don't understand why people do this, knowingly, then come here to tell everyone about it and how they're quitting.

Edit: So you were unaware. I'm surprised. You joined just the forums 2 days after the game launched. I'm just surprised you didn't see any of the other dozens of threads like this one in all that time. Just unlucky I suppose.

The thing is, you had to know there was some death penalty but didn't research what would happen if you died. It was the first thing I checked before I bought the game. It's surprising so few seem to even consider this before taking any risks. So I suppose you avoided dying completely until this time. But why didn't you once even check to see what may happen if you died?

I'm sorry you've lost so much but I just don't understand the last point.
 
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To the OP: Dont give up just because of this one (granted, costly) mistake.
I only found out about insurance through a mistake made early in my game "life", the fact that you have only just found out about it now, means that you obviously have been a much more careful player than myself and being a careful player is something that should, if anything be commended. People here are berating you for not knowing something, which is moronic. We learn by experience, often the hard way.

Here is a page (http://elite-dangerous.wikia.com/wiki/Insurance_costs)which explains about Elite Dangerous's Insurance, you dont have to "do" anything other than just have enough money to cover the rebuy cost of your ship and its equipment, if you look at the status screens on your in game menu (right side) it shows you your current insurance cost and how much your current balance would cover it.

As others have said, you have not lost everything, your combat, exploration and trading rating are still intact, the higher they are the better missions will be available to you, so it wont take as long as your first time around to get back on your feet. Plus even a minor increase in faction ratings reduce the purchase costs of equipment and repair so you may find things a bit cheaper on your way back up.

To the others posting on this thread: Come on guys, we learn by our mistakes, this guy has learnt the hard way, something we all have done from time to time. Give him a break, we should be offering this bloke our sympathy and advice not compounding his misery with our scorn!
 
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I just don't understand why people do this, knowingly, then come here to tell everyone about it and how they're quitting.

It is interesting. I'm no psychologist, but it may be that people have an inherent need to commiserate when stressed. Regardless of the cause, apologies I didn't intend to instigate any sort of argument.
 
Well I didn't think this would happen, or rather realize it could...

I've been playing since release. Had a bunch of time off work and managed to get a Clipper fairly tricked out. 2.1M re-buy cost. Been enjoying myself. Tonight I was on my way to drop off a cargo hold full of Palladium and had a quest to kill two pirates. I had about 3 million wrapped up in the palladium. So, as you can maybe imagine, against better judgement, i dropped into a nav point to smash two pirates. Pirates smashed, I was about to fire up the drive to head off and deliver my goods, when I hit what I can only assume was the nav beacon. It wasn't a ship. It looked very small in the single frame i witnessed before hitting it. Anyway, my ship was instantly destroyed. Clipper. 1.6million dollar c6 shied. 1.something million dollar power distro. Instantly destroyed.

So it seems I've lost everything. The screen I'm left at tells me the max loan available is 200k, and if I like I can have a free Sidewinder. I'm more sad about this than anything, but I can't accept losing the last month of progress. Enjoy the game for me. Happy hunting.

ciao for now

:( I'm sorry for you , I'm not going to make any smug remarks or kick a puppy that's down

Had similar loss just the other night , busy rebuilding. I definatly understand the need for a break after a disaster like that.
.
Happy you ended that sentence with "for now" as that means we'll be seeing you again.
😊 The Clipper's a lovely ship so can imagine you want it back..
Thanks for sharing your story( a cautionary tale)
 
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I always TRY to fly with excess covered. However, sometimes I get cocky...

In case the unthinkable gets real, I have ships scattered in the galaxy like a squirrel has buried nuts. So, even if I would lose my ASP, there is a kitted out Viper and a not so elaborated Cobra waiting for me (and, of course, my never touched freagle).
Sure, keeping these ships will postpone my next ship purchase (the Lakon 7 is scheduled). But they are such a nice safety net as it is NOT possible to wager them in an act of delusion.

Yeah, I do the same. When I buy a new ship, I don't sell my fully kitted old ship. I rarely fly without insurance. But if I do and should lose my ship by bad luck or a stupid accident, I can just go back to my previous ship. Also, it's nice to have different ships optimized for different purposes: one for bounty hunting, one for mining, ...
 
rep to the OP for sharing your misfortune. I detect no rage, only sadness. Commander, i hope you are up and trucking again soon in your brand new sidewinder and ready to take on the galaxy again... it's how character is built
 
To the OP: Dont give up just because of this one (granted, costly) mistake.
I only found out about insurance through a mistake made early in my game "life", the fact that you have only just found out about it now, means that you obviously have been a much more careful player than myself and being a careful player is something that should, if anything be commended. People here are berating you for not knowing something, which is moronic. We learn by experience, often the hard way.

Here is a page (http://elite-dangerous.wikia.com/wiki/Insurance_costs)which explains about Elite Dangerous's Insurance, you dont have to "do" anything other than just have enough money to cover the rebuy cost of your ship and its equipment, if you look at the status screens on your in game menu (right side) it shows you your current insurance cost and how much your current balance would cover it.

As others have said, you have not lost everything, your combat, exploration and trading rating are still intact, the higher they are the better missions will be available to you, so it wont take as long as your first time around to get back on your feet. Plus even a minor increase in faction ratings reduce the purchase costs of equipment and repair so you may find things a bit cheaper on your way back up.

To the others posting on this thread: Come on guys, we learn by our mistakes, this guy has learnt the hard way, something we all have done from time to time. Give him a break, we should be offering this bloke our sympathy and advice not compounding his misery with our scorn!

Yes. The only thing worthy of scorn is actually the OP trotting out the usual bloody hackneyed Douglas Adams quote.
 
It is interesting. I'm no psychologist, but it may be that people have an inherent need to commiserate when stressed. Regardless of the cause, apologies I didn't intend to instigate any sort of argument.

I've edited my post. The main issue I have with these threads is that no one who posts them take any kind of responsibility for learning what happens when they die - then take huge risks, blissfully ignorant of the actual cost of that risk.

Did you think that dying had no loss associated with it and you'd just start again with everything you had? You at least had to think "I might lose all my cargo if I die", which was basically all your cash anyway. I just don't understand it. And it's very difficult to feel sorry for someone when they do this, post in anger then quit.

I've never lost everything but I have had significant losses. It's my fault. It doesn't mean I don't still enjoy the game. But what happened to you will never happen to me and never did, because I had the common sense to work out what would happen if I died.
 
Tough Luck Commander Voltage,

Don't take the condescending crowd to heart. If you didn't know...you didn't know. Killed by a Nav buoy, God is there anything worse.

I really hope you fire up that little old Sidewinder again. Hope to see you in space.
 
1. Death from collision with a nav point should not have happened, but I believe there is a bug peculiar to the clipper that makes it extremely prone to collision damage right now. I can't promise it'll help, but you might get something out of reporting it.
2. This is something I mentioned just the other day. With the game in its current state, it's not at all unlikely that the first time buyback is at a level that might prive troublesome is when you lose a multi-million credit ship. Some people (not me) are adamant that having any sort of in-game alert that you cannot cover your buyback would be detrimentally hand-holding. Which is why I've suggested one popup, at the Shipyard, the first time you buy a ship whose buyback might not be covered by a loan, telling the player that from now on it's up to them to stay safe, and that destruction without funds to cover buyback will essentially take you back to square one. I've been told that that too is hand-holding. I find that hilarious.

(Incidentally, it is covered in the manual, but... well... yeah, me neither).
 
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I will purchase a lakon 9 this evening. I thought I had enough to fund insurance + cargo in addition to purchase cost + necessary upgrades. when I sold my cobra + trading clipper i ended up with a few million less than my "total assets" amount. So I will have to fly through 150ly or so in an unarmed (well i will keep the stock lasers) Type 9 until flying back from Founders world to my normal trade route. Then i guess an hours trading will cover my rebuy cost. Will make for an interesting ride with over 100million in jeopardy and at risk of returning to stock sidewinder.

Will have 5A shields, 4A fuel scoop, 6A FSD and rest will be D components. I will need the fuel scoop to make return flight, I could drop the sheilds from A to D class, but then I increase the risk of popping.

Anyone want to suggest a "seeking luxuries" near founders world or a half decent trade route i could hit for an hour or two to make up my insurance cost before teh long flight back to my normal route? I would be grateful for a PM.
Dicey! But I like your style. Just don't come crying to the forum if fate bites you in the ass and you end up in a sidey. :)
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I've taken this risk a few times but its always been a conscious decision and I've been lucky. Jump from T6 I reckon is the biggest temptation to cut corners.
 
I think the penalty could be a bit more analogue than the current digital 'You lose very little' vs. 'You lost everything. Thanks for playing.'

Maybe increase the size of the loans and the interest on them, so pranging my Anaconda probably puts me so deep in hock I can never get out of it, but that's a decision I defer. Declaring bankruptcy would be much more interesting if it was what I did when I realised I can never keep up with the interest payments, rather than it's current implementation of being on the ship destruct screen.

Make it a bit more nuanced. Make it a new challenge to be taken on rather than a game over screen. I studiously avoid trading, but if it was the only way to keep up with a massive debt and get me back on my feet, it would take on a very different flavour and be a much more interesting chapter in my overall story than anything the current system offers.
 
Cmdr Voltage, if you want to join an Imperial group of pilots, we would be happy to get you back in a Clipper very fast. We know tips and tricks, its more than 100 people in the group now. Funny thing, our friend have just lost his Clipper, he couldnt afford the insurance too, and a LOT of people are dropping some palladium for him as we speak. Our group website:

http://emperorsgrace.com/

And a short story for you: a manager of a big company made a mistake, the company has lost 10 mil dollars. He decided he will do the honourably thing, he has written a resignation letter and went to CEO with it. The CEO have read the letter and said: "Resignation? No way, we have just spent 10 mil dollars on your education".

No human is perfect, we all make mistakes. Dont worry, let us help you and i promise you will have a Clipper (and insurance money) within a week.
 
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