No money for insurance -> basically delete your game

"You are Dead". Simple math, and we're lucky to be afforded insurance to begin with imho. Did I mention that you are dead? No more ice cream or lollipops, RIP. Brutal, yes, but such is life.

Sorry, blood sugar dropping, need to eat. Little empathy at the moment...
 
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Even if I lost all my ships and assets, the reputation, permits, and ranks I've earned would greatly accelerate my second ascension.

Not that I'm silly enough to explode my ship if I can't cover the deductible.
 
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I do this in an excel. I have all my ship sell values, current bounty credits, cash, all ship insurance values as well as a ton of other data like rare trade routes and things. One cell that shows current cash minus highest insurance to show what I can safely spend.

Although yeah, could be an idea for certain people.

I do it in my head. I look at my balance, then I look at my rebuy. It takes seconds.
 
But what the actual is this? Never did the game explain to me, that if I don't have enough money for my insurance and the 600,000 loan are not enough, my progress of hundreds of hours is gone forever.

Sorry to read another player suffer the ultimate loss, but explanation is in the Manuel page 111.

Good Luck with the rebuild.
 
Hi,

Even though I'm mildy mad, I'll try to explain the point (I'm sure this is posted every week, at least).
To start from the beginning:
Actually I do like and love hardcore games, I do like games that make me think, that make me want to get better, that have a very steep learning curve.
I don't have a problem with dying, or dying often, or dying every damn time in a damn game, till you learn how to develop yourself.
But what the actual is this? Never did the game explain to me, that if I don't have enough money for my insurance and the 600,000 loan are not enough, my progress of hundreds of hours is gone forever.
Details might bore you, but in 200 hours and 30.000.000 credits later, it was the first time ever I got into this situation. In this ressource point with these many asteroids, I got a lag and my Clipper crashed into the big damn stone.
Instant death.
And now I have to start over with the ing Sidewinder and the bit credits I got left _again_ to grind 200 hours _a_g_a_i_n_?!
Isn't there any better solution for this?
Frontier, don't you got any alternative, instead of basically deleting everything the player has ever achieved?
Couldn't there be a hardcore mode or at least a big damn warning sign at the beginning?

I think the problem lies in the early-ship gameplay. I think death in a Sidewinder should be much more common, almost wholly unavoidable, to the new player. Also, All ships should be very much more expensive, to keep newbies in the lower ships to learn and get to grips with the game. Large ships are no longer something to earn, now, if you grind endlessly until your brains fall out you get an Anaconda! I think the Sidewinder should have decent options other than heat, which is useless as smuggling isn't even implemented, and progressing to the next ship, whether it be a Hauler, Adder or Eagle, or whatever, will feel great! I propose the following prices, although they're not all very accurate, and all approximate.

Sidewinder: 44,000 (A bit more than 1.33333333333...x the current price)

Eagle: 110,000 (Almost 3x, as the Eagle is a very good combat ship in comparison to the Sidewinder, and deserves something more than a five-minute stepping-stone.

Hauler: 70,000 (A slight price increase, but trading as a newbie is hard. I completely ignore the existence of Thrudd's because i think it ruins any fun in trading)

Adder: 160,000 (about 2x the price, and a good bump because it's such a good vessel! Good maneuverability and 3x hardpoints, one Class 2!)

Viper: 362,000 (This thing needs to be priced similarly to the Cobra as it is now. It's an amazingly capable and maneuverable fighter, and with good piloting easily outfights a Cobra in a dogfight. Now it just needs it's speed back, it shouldn't be outclassed by a Multipurpose!)

Cobra: 726,000 (The iconic ship of the game, and the very first computer-generated 3-dimensional figure to ever exist. Amazing speed (a bit of nerf, say, by 20 m/s, please), good weaponry and amazing internal space, alongside a quite good jump range. 372k as it is now is just ridiculous, this ship shouldn't be an early-game freebie. I see novice, pure bounty hunters in the thing!)

Type 6: I'm pretty undecided here, maybe 1.3 million? It's a nice alternative to the Cobra for a trader, as it trades defense for cargo space, and certainly not a direct step-up, unless you're in it for the imaginary internet points and the "last" ship.

Vulture: This one is hugely controversial. 4.9M is far too little, as this thing is an everything-killer. If it became barely maneuverable and thus a dedicated heavy assault craft, a few more million credits could justify it, say 7.3M. If it lost it's super-heavy weapons in favor maneuverability and thus became a dogfighter (Ie OP Eagle) it's current price could fit the description. However, if it remains the utterly OP mass-murdering lulzmobile it is today, I'm EASILY saying 30M. The thing can absolutely dominate CMDR-flown Clippers!

I think I'll just stop there because you all have my main idea probably drilled and engraved onto your brains at this point. I think ship progression should be slower.

!rant off
 
I can clearly remember my own reaction when after I had done a refit of my ASP and I was on route to an RES for some fun when I noticed I was short on my insurance. I had a quick change of plan and headed off to do some safe trading until I had built up my cash reserves again. Except for my accidentally noticing the shortfall this may have been my post.
 
No, no insurance -> no ship. Why risk it?
I wonder how many times have you used insurance prior to this event.

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No, no insurance -> no ship. Why risk it?
I wonder how many times have you used insurance prior to this event.
 
I think the problem lies in the early-ship gameplay.…

Or, and in my opinion the better solution, remove the PvP part of the game and suddenly the ship prices, the ship designs make sense. The Sidewinder is a very good and useful ship - if no other player flies around and destroys weaker ships for the lulz. The Eagle is a capable fighter in PvE. The Asp is almost all you need in PvE. Anaconda - cool ship, but not really something you need in PvE. So you have an Anaconda, now what? You need a T-7 to earn the money for an Anaconda, but you don't need an Anaconda ;) Most ships are very useful for their purpose, the big problem is, that this is only true in PvE. Add PvP and you get the mess we have now.

Ships aren't to expensive or to cheap or the progression is to fast or to slow. The big problem is, that players who want to play in open are forced to get to the big ships as fast as possible if they want to have a slight chance in PvP. There is no difference between trading in a sidewinder and an Anaconda or T-9, sure the money you earn is different, but other than that? No difference. Fighting in an Eagle or a Vulture, no big difference in PvE, just the ships are bigger or smaller.

It doesn't matter how much a ship costs. Balancing a game through in-game money is no balancing at all. It's just a way to make early adopters of the game feel superior.

How about that: Make all ships dirty cheap. Anaconda 10000 cr., FDL 5000 cr, Clipper 500 cr. Nobody would complain about loosing a ship. Nobody would complain about grievers or rammers or combat logging. Simply remove the whole "ship progression" thing. I guess people would find something to complain about, but certainly not because flying around without insurance. ;) But without having to worry about the ship, they could concentrate on the game. Exploring, fighting other CMDRs for the lulz or for glory or for the Empire (everybody fights for the Empire they have the ugliest ship), trading, supporting their faction, whatever.

And to be just a little bit on topic: Flying without insurance is the only way to go. It's Elite:Dangerous and not Elite:Insurance. Everybody is about how dangerous the galaxy is, but then they are weaklings who only fly with insurance and everybody says all the time to everybody "Fly save" - sure. I will kill you for the lulz but fly save and with insurance, it's a dangerous galaxy you know.
 
Well, I guess you have been told to never fly without insurance often enough in this thread ;)

Time to realze some positive things:

- You didn't lose everything. You keep your rep and ranks, so you don't have to do this tedious and less rewarding work again
- You are now an experienced player who knows how to make money (I guess). You should be able to go from zero to 30 mill in roughly 40h instead of 200.
- If you have a friend who drops you a few (like 100) tons of palladium you can skip another 10h and start grinding 1 mill per hour in a T6.
 
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dayrth

Volunteer Moderator
You are right, this tail of woe is posted often. Although I can sympathize, I have to say that it's down to you. It is after all in the manual:
Insurance.JPG
And the importance of insurance is mentioned just about everywhere on these forums.
 
Gutted; first of these threads in weeks and I failed to get my chuckles into the first page :p

Maybe it's been so long since the last glut of insurance threads that it's actually back in fashion!?

Well done OP, you might not be the sharpest tool but you good sir are Retro Cool :D

PS - a sharper tool would have read the manual before this point..
 
To be fair, I have some sympathy with the OP.

I bought a cordless hammer drill the other day and wondered if it would clean my teeth, since I couldn't find my toothbrush. Turns out it didn't do a very good job and now I'm facing a very expensive dental bill.

I feel its manual should have been a lot clearer as it didn't explicitly tell me it shouldn't be used to clean teeth. How am I supposed to make the huge logical leap from the term "drill" to the concept "do not use on your teeth"? I'm not Einstein.
 
in 200 hours and 30.000.000 credits later, it was the first time ever I got into this situation.
Never did the game explain to me, that if I don't have enough money for my insurance and the 600,000 loan are not enough, my progress of hundreds of hours is gone forever.
Actually I do like and love hardcore games

Yeah, no. You don't.

This game expects you to learn by yourself, and if punishes you hard if you don't. That's exactly what happened to you.
 
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