Frontier should remove the free 200k credit line for insurance..

Risenzealot

Risenzealot
After seeing so many posts of people who lose all of their progress I feel like Frontier should just remove the free 200k credit line you can get anyway.

My reasoning is simple. So many people lose their first ship and see that 200k credit line that they pay back as they earn credits. This has lead quite a few people to wrongly assume they can get a credit line for any loss.

Obviously this isn't true though and frankly when you think about it 200k isn't even a drop in the bucket. I mean it would only help with recouping a Sidewinder or Eagle. Who just really needs their Eagle handed back to them?

I just think it's kind of a useless mechanic to be honest. It doesn't really provide any help at all once you move past your first ship, and seeing as how if you lose everything you go back to the first ship anyway it seems to me the only purpose it serves is to confuse players who never took the time to learn how insurance really works.

Thoughts?
 

Lustan

Lustan
Agreed. How about if everyone got one free death a month? The next death costs credits or real money. That would be an easy concept for people to understand.
 

Cmdr Andrew Colt

C
The whole system could use revamping. Maybe your insurance cost goes up with the number of claims you put in. You would have to keep up with say monthly repayments otherwise you wouldn't be insured. Just like in real life. And say even if you lose your ship and didn't have enough money for the insurance payout you could pay over time at a higher rate. Just my opinion.

You could have different insurance companies, and could even go compare somewhere, like maybe a public website of sorts.
 
Last edited:

Chevy66

C
The should remove insurance altogether, your ship blows you buy another. It would stop all the endless insurance moans and add some much needed danger to Elite: Dangerous
 

Altissimus

A
Perhaps make it so that you can use your own reserve costs, or a loan at crippling Wonga rates.

Then you aren't in a situation where you can never get a loan, but it also teaches you to carry the reserve fund.
 

Argus Leadhead

Argus Leadhead
It helps for quite a few ships actually. It's once you get into an asp or bigger that it doesn't help. But at that point, people should know not to fly without insurance. It's good for starters all the way up to a T6. I don't see the problem here. Not taking the time to learn a game mechanic isn't really a good reason to get rid of it.
 

Risenzealot

Risenzealot
Argus Leadhead said:
It helps for quite a few ships actually. It's once you get into an asp or bigger that it doesn't help. But at that point, people should know not to fly without insurance. It's good for starters all the way up to a T6. I don't see the problem here. Not taking the time to learn a game mechanic isn't really a good reason to get rid of it.
Click to expand...

A T6 costs over a million credits..

I can't see how 200k helps to much tbh.

I just think it's pointless but that's only my opinion. I thank you for taking part in the conversation though.
 

mossfoot

mossfoot
I personally like the idea of insurance a lot, as well as a cap. Yes, the potential for taking a hit exists when you get a bigger ship, but by then you really should know better (ESPECIALLY if you've ever stepped foot in the forums).

But lower down, you have the sense of consequence in losing your ship. You don't just respawn, you have to pay. Can't pay? You can take out a loan but have to pay it back. Just having that happen to me once made the universe less of a game of endless respawns and more of a sense of a place I actually lived in.
 

Risenzealot

Risenzealot
nathan bridger said:
If you are Brainafk and buy a ASP/Clipper/etc and never look what insurance costs you deserve to loose it!
Click to expand...

I agree with this 100% but you're missing my point completely..

1. I am not against the way insurance works, nor do I think it should change at all.
2. I am only against the 200k loan that is possible

I feel the loan should be removed all together. It does nothing.

Many people are quite aware of the rebuy cost of their ships. The problem is b/c they once lost a Sidewinder or other cheap ship and had the 200k loan offered to them it is allowing some to mistakenly think they will ALWAYS be offered a loan to cover the price for a ship.
 

Issmir

Issmir
I don't know that I agree with that necessarily - A limit being in place is fine by e. I DO think that the game should do a lot better job of teaching players (a) how insurance works and (b) how to recognize when they're risking everything. the system seems fair, the lack of information if you don't lurk on the forums is not.
 

Ayerc

Ayerc
The loan is in place to take the sting out of a new player losing their first ship. The amount being capped at 200k shows that this is only intended to cover the cheaper ships. It's not meant to be a safety net for players more familiar with ED's mechanics.

Keeping this in mind, their existence and low cap make perfect sense.
 

Argus Leadhead

Argus Leadhead
Risenzealot said:
A T6 costs over a million credits..

I can't see how 200k helps to much tbh.

I just think it's pointless but that's only my opinion. I thank you for taking part in the conversation though.
Click to expand...

Insurance is 5% of ship price. 5% of 1,000,000cr is 50,000 credits. So the base t6 can be bought almost 4 times with the 200,000cr loan. Once you upgrade it, you pay a little more (for mostly D ranked modules) it is a lot more for all A ranked mods, but by that point ignorance of the mechanics isn't a good excuse for people.
 

DimGook

D
Issmir said:
I don't know that I agree with that necessarily - A limit being in place is fine by e. I DO think that the game should do a lot better job of teaching players (a) how insurance works and (b) how to recognize when they're risking everything. the system seems fair, the lack of information if you don't lurk on the forums is not.
Click to expand...

This. Add tutorial on dying and insurance and add takeoff warnings about insurance.

Also (maybe I'm wrong) but 200k is the rebuy coverage which means "free" coverage is really 4m which makes Asp the first ship where you wouldn't get covered. I wouldn't mind if there were no loans at all but again, players need to be made aware of this IN GAME from hour 0.

And the guys saying this is Darwinism at its finest, we can't all be forum readers who know game mechanics inside and out, and don't you want these people in your game so you can shoot them later? ;)
 

changtau2005

changtau2005
Remove the cap, but anything above 200k, you'll pay an exorbitant amount on top of what you owe as interest to make sure it stings. Need a 1 million loan (50m ship)? Sure, you pay 50% of your income as usual until you pay off 25 million. Need 10 million (500m ship)? Sure, but you'll end up forking out 250 million in the end. It's like going to the loan-shark :D At least you don't lose your ship.
 

Madbeard

M
Why not make it in such a way that the game will loan 50% the insurance cost and you pay the rest. Then you need to pay it back. That should scale with the rebuy cost. If it costs me two millions to rebuy the T7 then loan me half and I pay the rest.
 
Last edited:

Dakron Nova

Dakron Nova
Yep get rid of it, your insurance should be the sindwinder if you want it. Nothing else. Would make things a bit harder and more challenging.
 
You must log in or register to reply here.
Back
Top Bottom