Cheers bud. No rage. Just amazed at myself for playing this long, getting so far and being so confused about this bit.
Just you wait, Elite is just getting started
Cheers bud. No rage. Just amazed at myself for playing this long, getting so far and being so confused about this bit.
Unlimited loans means that you would be able to crash ships as often as you please and rack up any debt without fear of ever being truly down. There has to be a limit.
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 could drop the sheilds from A to D class, but then I increase the risk of popping.
I just don't understand why people do this, knowingly, then come here to tell everyone about it and how they're quitting.
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 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.
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!
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.
You decided to go pirate hunting, uninsured, in a clipper?
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Last night I was rammed and killed by a pirate Clipper. Had insurance.
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.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.