Why the "Never fly without rebuy" mantra is flawed

Lord Lucan Onion Head

L
I fly with insurance cost x3 + enough CR to buy stock for a trading run.

My trading Clipper's insurance is about 2M CR and I need about 2M to buy stock for trading so:

(2M x 3) + 2M = 8M CR always needed in the bank.
 

Danube

Danube
It's so easy to escape interdiction though. Stop engines, arrive in normal space, max engines, Boost, Boost again and Frameshift Drive is ready again. I just got interdicted by a player and it was laughable how easily my Lakon 6 escaped without getting hit once.

Also, if someone flies without Insurance they deserve what they get. To those who want the game to remind them that they lack funds when they undock... that's why you have short and long term memory. Use it. Failing that and a goldfish is smarter than you are, stick a piece of paper to the top of your monitor that says CHECK INSURANCE.
 

Carmaki

C
My personal rule is not to fly unless I can afford to lose a ship twice. It also helps that I usually stick to one area at a time, and I keep most of my old ships.

As soon as I can't afford to lose a ship twice, I jump in one of my cheaper ones and continue on. Does it take longer to progress with this method? Oh yeah. Have I ever been stuck in a situation similar to the OP's post? No, and hopefully I never will be. It's easy to make a mistake in this game that can cause you several hours, if not days, worth of progress. You forget to request docking, fly into the slot and get blown to bits. There's some miscommunication between some members of your trading convoy, and someone ends up plastered on the station wall as two of you try to fit through the slot. You're fighting an Anaconda and suddenly his buddies show up armed with missiles and your shield has more holes than a block of baby swiss... You can say 'You could avoid it if you did XYZ!' all you want, but unfortunately humans are flawed beings, and we make mistakes and bite off more than we can chew; and since this game isn't forgiving (which I will argue is one of its charms), you could quite easily end up back at square one with a sidey and a knot in your stomach.

That's why I'm so paranoid and I horde just about everything I buy. Sure, that rainy day may never come, but it's better to start off in square one with a fully upgraded Viper, Vulture, or Type 7 than a Sidewinder.
 

CdrTwisted

CdrTwisted
Meritz said:
That's why I've been calling for the insurance to be both payable in grades and payable in advance. That way you always know if you have enough money to insure your ship. And if you don't you can insure it partially. So if your 146Mcr partially insured Anaconda gets blown up, you are not busted to a Sidewinder, you get your partial insurance money back. 80M credits sounds better than zero.

Basically, a combination of EvE insurance flexibility and ED convenience.
Click to expand...

Great idea. Why not make it like real insurance - your premium goes up as your risk goes up. So die a lot and claim for those ships and you'll pay sky high premiums when the insurance renews, perhaps every month.
 

DrakeAurum

DrakeAurum
The mantra isn't supposed to be a substitute for common sense - it's supposed to suggest a bare minimum for safety.

If you're operating out of an outpost that lacks outfitting, or if you're otherwise doing something excessively risky, then you compensate by doubling or tripling up on your insurance margin. It's not rocket science - it's rocket economics.
 

Jorlin

Jorlin
Never bought a ship without having at least five times the insurance after fitting it to a level where it is useable.
Plus i always had a second ship in the garage to get me back on my feet is something very weird happens...

I know myself good enough to realize what would happen if i fell into the insurance trap :D
 

Tryst

Tryst
Here's a good reason for making sure you have insurance.
[video=youtube;R_M9WrTC_qM]https://www.youtube.com/watch?v=R_M9WrTC_qM[/video]
Well, you're pretty sure what you're going to get if you don't have insurance. A bloody sidewinder!
 

Kancro Vantas

Kancro Vantas
You need 2x the rebuy cost to follow the mantra. It should be "never fly without 2x rebuy cost". Why? Cause after the first death, if you rebuy once, and are left with 0 cr, then you can't fly because no rebuy cr available.
 

Beardless

Beardless
Apostle said:
You should always respawn at the last station you visited that has a shipyard. It could happen but it would be rare.
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Very true!

Your insurance claim would give you a new ship, so you should re spawn in a shipyard? not in an outpost, wondering if someone in a sidewinder could test this?
 

-SOVEREIGN-

-SOVEREIGN-
Maybe the rule should be changed to "always keep at least two insurances" so you can avoid the situation of the op. I have 9 insurances at the moment there is no way I go suddenly bankrupt. :p
 

Slamhamster

S
In the real world, if you have an incident/accident you can claim damages if you aren't at fault. Maybe this should be introduced in game to stop greifing?

So.... If you crash through ineptitude, lose after attacking a wanted player, participate in a community goal event, conflict zone or fly in an anarchy zone (ie engage in consensual pvp or fly in high risk areas) you pay the full amount as ship loss is your own fault - but if you are attacked whilst clean in a secure sector, the attacker becomes liable for a percentage of your rebuy cost (percentage determined using a sliding scale based on difference between combat ranks). After you see the insurance screen you then have a sliding scale to determine how much of that penalty fee should go towards your rebuy costs and how much you want to apply as a bounty.

So, if the attacker is liable for 30% of your rebuy, that amount is deducted from yours and added to their rebuy fee as an outstanding penalty claim. You can then decide if you want to set aside some of that amount to put a bounty on them - this way the bounty accrued is always less than their rebuy penalties, so can't be exploited by having friends claim the bounty and split it etc.

It only really penalises non consensual pvp in secure systems. It may deter piracy in secure systems but it still lets them pop shields, disable drives and blow a cargo hatch - it just adds a much needed penalty for reckless murder.
 
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Ydiss

Ydiss
Don't fly without rebuy and don't upgrade and then go to an outpost that will leave you without any means of scaling back if you are the sort of player who dies a lot.

Or, much more efficient: don't fly what you can't afford to lose. This means being fully aware of all your risks, including how risky it is to buy hugely expensive upgrades when their necessity doesn't out weigh the increased risk of leaving yourself screwed.

The risk assessment doesn't stop at buying a new ship. Some of us enjoy the depth of this.
 
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Monk

Monk
ED is all to happy to remind us that life is cruel and sometimes circumstances force you back to square one. If it happens to you, tough luck, just a game, blah blah blah.

Me, I'd just clear save and load up a new commander name. Fresh starts are my favorite part of any open game.

Just my crazy opinion, probably rejected by the daywalkers.
 

nosleepdemon

nosleepdemon
This is why you make sure you are in range of one of your older, cheaper ships. The risk of bankruptcy will always be there, that's what makes Elite dangerous. I have enough cash to rebuy my ship twice, however were I to lose it even once, I would outfit a sidewinder and pop all the way back to my Viper, whose rebuy cost would be 1/10th of the cash I'd have at hand. I have a whole host of backup ships sitting around, since I never sell my old ship when I buy a new one.
 

Kaeldian

Kaeldian
I personally don't risk anything I can't replace at least 3X over. Ive been considering moving that buffer up to 10X and keeping it there.

Means I won't be able to fly anything huge for awhile, but the peace of mind is nice.
 

Monk

Monk
Kaeldian said:
I personally don't risk anything I can't replace at least 3X over. Ive been considering moving that buffer up to 10X and keeping it there.

Means I won't be able to fly anything huge for awhile, but the peace of mind is nice.
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IDK, I must be nutso...every ship I've gotten...all the way up to clipper...I've purchased with only a few thousand to spare. Had a couple mishaps at the Asp, so had to buy that again a couple times.

The thrill of flying the clipper for the first time, with all your remaining cash poured into a few tons of palladium is so heart-poundingly exciting I've kinda become addicted to it.

To be fair though, I've got a T6 and a Cobra in storage that I can strip and get back to trading with when I get too careless.
 
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