235M credit ship lost

Hehe, considering how old this Zombie-Thread is (revived) - odds are the OP might already sit in an Anaconda again :D
(this time probably well-insured)

I'm happy to report he is! I flew behind him during the Breaking the outbreak community goal, and he sure was piloting his new Anaconda in style! I guess this thread can be locked. :)
 
Now while I agree with people that you shouldn't be flying what you can't afford - I also do agree that at this level the insurance is so ridiculous, and with the grind that this game is and no way to shortcut it, that it will drive people away (who's goal it is to get to this).

Now while some people might shout "DARWIN" - remember, these are people who if Frontier can keep them interested will spend around 10x the cost of the game on things like microtransactions - so a £40 customer can turn into a £440 customer.

But by having a badly balanced game at the top end, they are likely to give up after that grind.

Remember this isn't just a single player game to some people, and some people have limited time to play. Also games should be fun, not a second job.


People don't find this fun.

Why Titus, you actually posted something I like. I too believe once someone earns the money to pay the delectable, they should indeed have the option to purchase it back. I'm actually gonna rep you for this mate. I do indeed think hell just froze over.:D
 
Evitaret, ab erroribus.

I'm sorry to hear that, I feel sick to my stomach just thinking about it.
I do not think the game needs to change though, in all honesty you should have known better than to fly out in that thing without insurance! You purchased the most expensive ship in the game.

Yup, this. You knew what you were doing. You gambled and lost. No need to change the game.
 
You think the Insurance system needs revised because you couldn't keep on top of your insurance costs?

I feel for you but what you did is your own fault, no revising needed.
 
Yet right before...



... so it is essentially a whine post. I am sorry for your loss I can only imagine how frustrating that might be. Now you are asking for an additional or different system in case you don't have the rebuy costs. It is like going to your car insurer and tell him "yeah I crashed my car and didn't pay the insurance fee this month, could you do something please?". You stated yourself you knew you should not fly without insurance, yet you did. Sorry.

Dude, this post is ancient. But:
I still state that this post never were meant as a whine post, but I realize I expressed myself poorly. All I wanted was a little more flexibility. After all, an insurance company in real life that demanded you paid up on the crash-site or you lose your car would not last very long. But I don't want to open this can of worms again...

As an update: Now I am back into the Anaconda, has a Python on the side along with other handy ships, and enough credits to cover rebuy cost on all many times. Lesson learned and Allied rep in Empire (along with a Clipper) gained from it. It is all good!

Funny thing is: insurance rules are being revised... ^^
So I suppose I wasn't that far off in my statement as some of the replies insist after all. Although I would have wanted even more change, but this is a good step in the right direction.

Here is a bunny for you :)

(\(\
('o')
o(")(")
 
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We all know what the consequences are for not having insurance coverage regardless of any and all hindsight-ed hopes of how things should have been or how they should be.

Does Frontier need to go so far as to make it illegal to fly without proper insurance coverage? Does it need to be more realistic in such a way that Security Scans will check to see if you have coverage and fine/reprimand you appropriately for flying without insurance? That's how things work in the states if you're an uninsured motorist.

Or, maybe it would be better if a station will DENY you to launch if your cr is below the insurance rebuy cost? Would that help make it easier?

Do you really want the game to force you not to fly? I wouldn't. I'd rather make my own choice and take responsibility for that choice being fully aware of what I'm getting into.

Or, maybe the ship AI voice needs to nag us with a reality check ;)

"Warning, you are attempting to leave the station without proper insurance coverage. Loss of your ship will be permanent. Do you wish to continue (YES or NO)? Are you sure (YES or NO)?


There's really nothing else left to drive the message home.
 
If insurance is necessary and relies on willpower, then where there is no willpower there needs to be something else.

Why is there no bank to save your cash for insurance? Or to borrow the insurance excess fee at a crippling interest rate?
 
If insurance is necessary and relies on willpower, then where there is no willpower there needs to be something else.

Why is there no bank to save your cash for insurance? Or to borrow the insurance excess fee at a crippling interest rate?

YES! We need space loan sharks that will bail you out and then hunt you down and break your proverbial kneecaps if you fail to pay! :D
 
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I crashed my Anaconda accidentally tonight, and did not have the insurance cost available right away.
If you do not have the insurance money right away, there is no possibility to earn the insurance in another ship and then buy the wrecked ship back.
I just lost a ship I have spent 3 months to get to. This is actually so bad I have no words; At this point I am not sure I can bear start all over.

The insurance rules really should be revised.


____________________
Edit for clarity:
- This is not a whine post; I worded it thus to illustrate the feeling of loosing all assets to - yes - my own stupidity.
- I am very consciously aware of how the insurance system works, I don't need to hear it. That is not the purpose of this post.
- I really think that the insurance should work in a way that lets people who - for any given reason - do not happen to have enough cash to rebuy a lost ship can get it back in one way or another. The cost adjusted with the value of the ship, keeping it Painfully, but not 235M painfully.


No, you have been playing for months and knew the risk you were taking. Live with it. Next time you will be more responsible. You only needed to have around 10 mil to protect your ship... you did this to yourself. Change nothing the system works just fine.
 
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There really are some people in these forums who need to stand in front of a mirror, take a good hard stare at themselves, and then honestly question whether or not they think they would be better off trying to work some empathy into their statements. Certainly, flying a ship without the necessary insurance is a risk, probably a stupid one, but when you get the higher-end ships then it is actually quite hard not to outright buy the module you have spent days grinding for, and instead grind some more days until you have the buy-back. I honestly do not get why people have to come on here and spam abuse at people for making these mistakes, what are they trying to achieve?

Personally, I think that if you are sent back to a sidewinder, and have to make the millions it takes to buy back your insurance policy; then that is very clearly punishment enough. That's my opinion. That said - in either case - if anyone here thinks that effusing vitriol over people will do anything other than make them look like utter idiots, both on here and in life in general, then they are very, very, very sad characters indeed. I'm extremely confident that if you take my advice, and stop it, you will lead a happier and more fulfilled life: unless you like being viewed as a socially awkward and careless moron that is, in which case carry on.
 
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Realistically in this situation, someone would loan the player the insurance cost, so they can rebuy their ship, of which they would have to instantly sell to pay the player back straight away. Or alternatively the insurance company would sell the ship to cover the excess.

So the OP should have received a free sidewinder and 85% of the price of his ship (i.e. 5% excess + 10% ship sale price). I can't believe ED hasn't fixed this yet considering how trivial it is to do.
 
No, you have been playing for months and knew the risk you were taking. Live with it. Next time you will be more responsible. You only needed to have around 10 mil to protect your ship... you did this to yourself. Change nothing the system works just fine.

lol, check the post date. You're berating someone for a post they made in March. Since then, they have worked their way back up to an Anaconda. :)
 
The reading comprehension is weak in this thread. I can't help but laugh at everyone trying to trash the OP like this just happened yesterday.

Seriously folks, the original post date is right under the thread title you clicked on to get here. LOL
 
thread.jpg




say insurance.jpg

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The reading comprehension is weak in this thread. I can't help but laugh at everyone trying to trash the OP like this just happened yesterday.

Seriously folks, the original post date is right under the thread title you clicked on to get here. LOL
They thought they found a new chance to feel superior and laugh at other's misfortune...
 
The reading comprehension is weak in this thread. I can't help but laugh at everyone trying to trash the OP like this just happened yesterday.

Seriously folks, the original post date is right under the thread title you clicked on to get here. LOL


But by posting your post, aren't you actually feeding this necroed thread like everyone else with the only real difference being that your motivation is to trash the ones necro-trashing the OP rather than the OP himself? LOL :p

(btw, I'm being lighthearted here, not serious in the least) :)
 
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