Please change how the insurance/loan mechanic works.

[TRLOS]

The only change I'd like with insurance is to make it so you pay a premium up-front, which covers you for x amount of credits for y light years of travel. Different level of insurance give you different levels of cover, with a weighting applied depending on how many claims on previous policies you've made.

Ya'know... like REAL insurance.

For everyone out there ready to point the finger and laugh, <snip>. I already said I didn't start a post about loosing a ship. It was an idea to change the insurance mechanic and merely gave an idea on how to do it.
I actually like this idea better. Pay the insurance premium up front when buying a new ship. Also add the insurance premium when you add modules to make sure you're always covered. Much like the way you pay your insurance on vehicle registrations (for those non-couch-potatoes old enough to have a car).

I still think starting back at LHS3447 is redundant. Maybe alter it to start back at your powerplay leaders home base.

 

[Vasious]

For everyone out there ready to point the finger and laugh, <snip>. I already said I didn't start a post about loosing a ship. It was an idea to change the insurance mechanic and merely gave an idea on how to do it.
I actually like this idea better. Pay the insurance premium up front when buying a new ship. Also add the insurance premium when you add modules to make sure you're always covered. Much like the way you pay your insurance on vehicle registrations (for those non-couch-potatoes old enough to have a car).

I still think starting back at LHS3447 is redundant. Maybe alter it to start back at your powerplay leaders home base.

It is assumed the Premium is part of the purchase price of the ship hull and modules, You just failed to pay the excess which is a set percentage of the Cost of the loss at claim time.
Unless you are suggesting there should just be the up front payment and no excess.

 

[dayrth]

Haven't seen a thread like this for sooo long.. pitchforks and flaming torches at the ready

Can't remember where I left mine.

 

[simo2003]

I think the current insurance feature is fine. It's especially generous with the loan mechanic.

I'm not laughing at OP - you have my sympathy as it's hard to lose something that you feel you worked hard on for a long time. We've all been there, myself included. That said, you KNEW you were flying without adequate insurance. I actually think the changes you propose would make it harder to see whether a player has the rebuy cost for their ship or not. As it stands, the fixed sum is black or white and there's no margin for error, which is a good thing in my opinion.

 

[Miklos Atreides]

That post made me think of the 'good old times' where maximum loan was 100.000 and that's it.
So you are already in a very comfortable situation against those who flew without insurance in earlier times.

The insurance system now is more than just only fine.
In my view its much too comfortable.

But I see the point, I would get sad too, if they blew up my shiny Phyton.
I even want to get there to be able to buy one.

Regards,
Miklos

 

[bootsam]

I'm happy with the current insurance set up. Despite losing a T9 fully laden and losing 10M Cr. It hurt and its supposed to hurt. I'm crestfallen as I had my vinyl collection of rare electro folk dancing white labels in the hold and my collection of vintage rubbers. The 10M Cr I lost is easily traded back, but where am I going to find another copy of Jefro & the Antichrist Morris dancing troupe doing their version of candles in the wind?

 

[Taimaru]

I think the loan should be removed as it just complicates a simple insurance mechanic. As long as one has enough credit for a few re-buys then it is a non-issue.

I also recently lost my Python but then I didn't buy a Python until I had enough credit to buy two, plenty enough for several re-buys.

 

[M00ka]

I can't believe no one has suggested this - submit a ticket and get your ship back. Seems to be the standard practice when someone screws up as it is never their fault.

Me, I think the insurance scheme is fine as it is, the only ones who complain about it seem to be the ones who don't understand it or dig themselves a big hole they can't get out of.

 

[Kayweg]

Here is the odd thing.
I have never seen one of these threads, asking for changes to the insurance system, where the OP HADN'T just lost a ship.
How come they never ask for this the week before, or two weeks, or a month ?
I think i know the answer, but posting it would take the snarkiness further than i want to go.;-)

 

[Sire]

I've just had an extremely unfortunate day today. I've lost 80 Million Credits within 20 minutes by having my ship constantly destroyed by AI ships.

The Scenario:
It's taken me just over 8 months to grind enough to buy the Python and put some decent modules into it and was running fine up till now. Then all of a sudden today, I come up against a wing of 3 ships who managed to take down my shield and destroy the my ship within 60 seconds. Unfortunately, I didn't have enough for insurance and a loan was taken out. I leave spaceport and drop back into the resource site and almost immediately get whaled on by an Imperial Clipper. Obviously I couldn't rebuy the ship or take another loan so its back to square 1 with the sidewinder.
What is worse: It has put me back at LHS3447 which is so far into my enemy's powerplay territory, that it would be virtually impossible to make it out and back into friendly powerplay territory alive. So what is the point ?

To be honest, I doubt I would get back into the grind until Elite Dangerous Horizons gets released.
Don't get me wrong, this isn't a whinge about coming up against OP AI ships or how I was able to get taken out so easily when I was normally able to win previous such battles. But for a game, it is extremely demoralizing to be taken so far back and have over 8 months of gameplay wiped out so quickly.

Perhaps the Devs might take this into consideration and alter the insurance/loan mechanic. Introduce a staged loan system where instead of having a 2.5m credit limit, increase it to 10m and alter the loan repayments accordingly.
For Example:
1m credit loan will mean repayments of 20% of your earnings
2m credit loan will mean repayments of 30% of your earnings
3m credit loan will mean repayments of 40% of your earnings
4m credit loan will mean repayments of 50% of your earnings
5m credit loan will mean repayments of 70% of your earnings
8m credit loan will mean repayments of 90% of your earnings
10m credit loan will mean repayments of 100% of your earnings

At least this way, it gives players who have only just recently purchased bigger ships (and don't have the insurance money) to get more than 1 chance at continuing the game if they get destroyed.
Also, if they want to keep the current loan structure the way it is, at least offer the sidewinder at the system you last landed at.... not 500ly away in your enemy's powerplay territory with a ship that doesn't stand a chance of surviving.

If the Developers want to get more people involved in the game, they need to find ways of keeping their current player based interested and active.
Like I said, because of this particular situation I doubt I would ever get back into ED until Horizons comes out. It makes me wonder how many other players have been in similar situations and have slowed their gameplay because of it.

Send a ticket to support telling your story; if you succeed in making it pitiful enough they will give your ship back even polished up.

If they won't, take the biggest hankerchief you can get to wipe your tears and snot and unpledge so you can safely trudge as far as your home. Then start playing without being greedy to have back what you lost as soon as possiblembut enjoying what you have step by srep and you will rebay your beloved Python sooner than you thought.

 

[Cmdr Ultra]

Take a break until Horizons........

 

[Heater]

I did something stupid, now I will not play anymore until FD fixes it....

When will people learn, it's not the game, but the stupidity of the people playing.

Maybe FD needs to implement a lock-down on ships.... i.e. you can't leave the dock if the stupid light is on!

 

[Sire]

I did something stupid, now i will not play anymore until FD fixes it....

When will people learn, it's not the game, but the stupidity of the people playing.

Maybe FD needs to implement a lock-down on ships.... i.e. you can't leave the dock if the stupid light is on!

Or maybe something similar to the belt alarm in the car: a red light, a loud noise and a flashing message

"WARNING! YOU ARE FLYING WITHOUT INSURANCE COVERAGE!".

 

[BimblesDidums]

I've just had an extremely unfortunate day today. I've lost 80 Million Credits within 20 minutes by having my ship constantly destroyed by AI ships.

The Scenario:
It's taken me just over 8 months to grind enough to buy the Python and put some decent modules into it and was running fine up till now. Then all of a sudden today, I come up against a wing of 3 ships who managed to take down my shield and destroy the my ship within 60 seconds. Unfortunately, I didn't have enough for insurance and a loan was taken out. I leave spaceport and drop back into the resource site and almost immediately get whaled on by an Imperial Clipper. Obviously I couldn't rebuy the ship or take another loan so its back to square 1 with the sidewinder.
What is worse: It has put me back at LHS3447 which is so far into my enemy's powerplay territory, that it would be virtually impossible to make it out and back into friendly powerplay territory alive. So what is the point ?

To be honest, I doubt I would get back into the grind until Elite Dangerous Horizons gets released.
Don't get me wrong, this isn't a whinge about coming up against OP AI ships or how I was able to get taken out so easily when I was normally able to win previous such battles. But for a game, it is extremely demoralizing to be taken so far back and have over 8 months of gameplay wiped out so quickly.

Perhaps the Devs might take this into consideration and alter the insurance/loan mechanic. Introduce a staged loan system where instead of having a 2.5m credit limit, increase it to 10m and alter the loan repayments accordingly.
For Example:
1m credit loan will mean repayments of 20% of your earnings
2m credit loan will mean repayments of 30% of your earnings
3m credit loan will mean repayments of 40% of your earnings
4m credit loan will mean repayments of 50% of your earnings
5m credit loan will mean repayments of 70% of your earnings
8m credit loan will mean repayments of 90% of your earnings
10m credit loan will mean repayments of 100% of your earnings

At least this way, it gives players who have only just recently purchased bigger ships (and don't have the insurance money) to get more than 1 chance at continuing the game if they get destroyed.
Also, if they want to keep the current loan structure the way it is, at least offer the sidewinder at the system you last landed at.... not 500ly away in your enemy's powerplay territory with a ship that doesn't stand a chance of surviving.

If the Developers want to get more people involved in the game, they need to find ways of keeping their current player based interested and active.
Like I said, because of this particular situation I doubt I would ever get back into ED until Horizons comes out. It makes me wonder how many other players have been in similar situations and have slowed their gameplay because of it.

I'll help you recoup some of your loses, if you want.

 

[ChubbyBunneh]

Lol. Just so we get this straight. You just lost your ship in combat. Got the loan and a replacement ship and then took it right back into combat again?

You belong in the Sidewinder.

 

[OldSalt]

Python.....NPC Clipper....wha...ends up with a backside likes a clowns pocket......complains ????........whaa....

 

[Roraima]

IMHO it would be better to do away with insurance altogether. You buy the ship and always have it, if you die you re-spawn with the same ship and modules.

Think about it - more people would play in 'Open'. More people would go in for PVP combat. There would be epic battles. People who want to fly an Anaconda or Type 9 or whatever would still have to put in the effort to get it.

 

[KaizoMK]

A really awesome idea was suggested - instead of paying the insurance to get your ship back, your ship is given to you at 0 module health and 1 hull hp, and the total cost of repairs work out to what insurance is now. That way you can't lose everything off the bat, but death still has a heavy consequence. I'm rather fond of the idea of having to use a sidey to grind up 8m credits to repair my conda.

Also it may or may not increase the repair costs overall which would be neat.

- - - Updated - - -

Here is the odd thing.
I have never seen one of these threads, asking for changes to the insurance system, where the OP HADN'T just lost a ship.
How come they never ask for this the week before, or two weeks, or a month ?
I think i know the answer, but posting it would take the snarkiness further than i want to go.;-)

I did, a long time ago.

 

[Monk]

Isn't this community just lovely

You just learned an important lesson the hard way, Commander. Take some time to collect yourself and get back on the saddle. Remember it is just a game and part of that game is an insurance system that only gives you limited chances to screw up before it is back to square one. Next time around, I suggest beefing up your combat skills (or 'get the hell out of there' skills) in a sidewinder before going to anything bigger. It sounds like you let some NPCs get the advantage on you, which is something that you can learn to avoid.

 

[Steve72]

I did something stupid, now i will not play anymore until FD fixes it....

When will people learn, it's not the game, but the stupidity of the people playing.

Maybe FD needs to implement a lock-down on ships.... i.e. you can't leave the dock if the stupid light is on!

This I like. Cant wait for the Ive just bought a python but cant leave the station Now I have to loose 10% on it. Awesome.
Better 10% than everything. That should be a little lesson. Please introduce this.