As Ironman, I scoff at insurance.
But as it's stated many many times here, and in the manual, don't fly what you can't rebuy.
But as it's stated many many times here, and in the manual, don't fly what you can't rebuy.
No money for insurance -> basically delete your game
- Thread starter BlackSparki
- Start date
And topped even further by a response such as this.
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I'm going to assume you're being honest and actually never died until 200 hours in, despite obviously spending no time learning about the game first.
Because, in that case, I need you to help me understand the reason you played an online persistent game without at least finding out what happens when you die.
The death penalty was the first topic I looked for when I came here.
Because, in that case, I need you to help me understand the reason you played an online persistent game without at least finding out what happens when you die.
The death penalty was the first topic I looked for when I came here.
You didn't read the manual?
http://hosting.zaonce.net/elite/website/assets/ELITE-DANGEROUS-GAME-MANUAL.pdf
From Page 111, Insurance Fees:
There is a warning. It tells you to buy insurance. Up to you to manage your finances in the game. Happens to us all. And we learn and move on. There's lots of warnings. For instance apart from you tube, the game, the forum, the manual, the Web site, the ship rebuy cost next to how much cash you've got and so on...
The tutorial in december did not cover death penalty, ship loss and insurance whatsoever. It also was not part of the release manual.
Welcome to the Club!
It happened to me on my first ASP, a long, long time ago, and honestly - it was the best thing that could have happened to me at that point: I was starting to loose interest, finding the game too easy... loosing everything was a great motivation boost and I made the money for a new ASP in less time than for the first. Nowadays, I never fly without insurance and have at least 1 backup-ship - which won't help me in the case I should crash my ship right now, as I've been out exploring for the last 7 weeks, still 12000 ly away from "home", all repair modules depleted, hull at 86% and cracks on my Windows
I'd loose at least 50 mills - but even then I'd still enjoy the game and I wouldn't want the "punishing mechanics" to be different.Have a safe journey - or not
thats the problem with the game, its so easy people dont ever die in hundreds of hours of gameplay untill they make that final mistake (and only by mistake you can die in elite) and then they are surprised cause they never had to confront with the insurance system.
its not the insurance system that is flawed, its the lack of difficulty and challenge.
its not the insurance system that is flawed, its the lack of difficulty and challenge.
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![[VR] Mad Mike](https://forums-cdn.zaonce.net/data/avatars/m/27/27910.jpg?1553527108){kind=avatar}
I like the death penalty. There are a number of changes which imo have been made to soften the blow to newcommers since premium beta when I 1st got my wings, not all I agree with.
This I hope never softens any more than it already is BUT that being said, a "death and taxes" lesson in the tutorial section imo would not be a bad idea as well as possibly a quick check box warning before buying an upgrade / ship which is about to take you over your balance for rebuy cost.
whilst I am against nerfing the mechanics, I do not think a lesson for newbies, as well as a quick warning would be so bad.
This I hope never softens any more than it already is BUT that being said, a "death and taxes" lesson in the tutorial section imo would not be a bad idea as well as possibly a quick check box warning before buying an upgrade / ship which is about to take you over your balance for rebuy cost.
whilst I am against nerfing the mechanics, I do not think a lesson for newbies, as well as a quick warning would be so bad.
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As I just said in another similar topic...
IMO, Insurance should be pre-paid, that way, everyone knows what they're in for if they fly without(along with a 'ship uninsured, undock anyway' confirmation[that can be turned off in the ships menu])
IMO, Insurance should be pre-paid, that way, everyone knows what they're in for if they fly without(along with a 'ship uninsured, undock anyway' confirmation[that can be turned off in the ships menu])
You dont lose everything, you keep your rankings.
This will change in 1.3, if you had a Clipper you probably had fairly decent ranks, so your emergency "loan" amount would have been much larger than the default $200k that exists now.
FD realized that scaling this amount only made sense since it was utterly pointless once you moved past the "cheap" ships.
The scaled values will be nice since it will allow you to move to larger trading ships sooner and not have a huge amount of capital tied-up in insurance (currently, 4-5 million held for insurance on a T9 means a lot more grinding in lower-level ships before you can afford to fill the cargo hold!) That being said, if you "go negative" it may take a while to dig yourself out of that hole, but I think they just take a percentage each time...
FD realized that scaling this amount only made sense since it was utterly pointless once you moved past the "cheap" ships.
The scaled values will be nice since it will allow you to move to larger trading ships sooner and not have a huge amount of capital tied-up in insurance (currently, 4-5 million held for insurance on a T9 means a lot more grinding in lower-level ships before you can afford to fill the cargo hold!) That being said, if you "go negative" it may take a while to dig yourself out of that hole, but I think they just take a percentage each time...
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