Speculation: How DOES the insurance...
- Thread starter dc83
- Start date
And people still complain 5% rebuy being too much 
Fully aggree on that. It's a way to mitigate upset behaviour of players when they lost a ship.
In 1984 Elite you went back to Cobra Mk III and 1000 Cr after being shot out of your seet (if there was no Savefile). This time FD has implemented a way
to get around it (Some kind of online Savefile restoration).
But to make you feel you lost something they implemented a little cash reduction.
Regards,
Miklos
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Aaaand that is totally wrong.
If I already paid insurance rebuy upfront then it means I don't have to carry rebuy money on me. So when my ship gets destroyed I get replacement just like that, right? So why there is a rebuy cost if I already paid that upfront? Smells like scam.
And secondly - if it's true - how would you consider multiple deaths issue with a single, upfront payment? If Anaconda costs 50M and 100M went to the insurance company it would mean I can get replacement ship only twice. But what happens when I blow up Anaconda for the 3rd time? Company will give me 3rd ship because they are nice?
The most probable answer to OPs question is the most simple - insurance company doesn't work with ship insurances only, it's just a part of their bigger business. And while space ship part may be deficient they will cover those loses from other, more profitable sources (like multi million pop singer leg insurance fee). Overall, not every piece of business must be profitable if it serve a greater purpose. If the company as a whole is profitable then it's good.
Simple: You have to pay the 5% because otherwise all the money you payed upfront would be gone after a few rebuys. Your suggestion doesn't make any sense either.
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So this is how it works:
The insurance company has a deal with the ship sellers, they'll charge the first excess upfront when you buy the ship.
Ship X costs 1.000.000
Seller gets 950.000
Insurance company gets 50.000
The company assumes that not more than 1/20 ships will get blown up, so after 20 ships have been sold they have enough money to replace an entire ship. I think it's realistic to assume that not more than every 20th ship gets blown up, otherwise space would be so incredibly dangerous that nobody would go there. If you get blown up more often that's because of your bad flying skills. I also assume that pirates and cops don't have insurance.
I think it's quite simple and the most realistic explanation.
The insurance company has a deal with the ship sellers, they'll charge the first excess upfront when you buy the ship.
Ship X costs 1.000.000
Seller gets 950.000
Insurance company gets 50.000
The company assumes that not more than 1/20 ships will get blown up, so after 20 ships have been sold they have enough money to replace an entire ship. I think it's realistic to assume that not more than every 20th ship gets blown up, otherwise space would be so incredibly dangerous that nobody would go there. If you get blown up more often that's because of your bad flying skills. I also assume that pirates and cops don't have insurance.
I think it's quite simple and the most realistic explanation.
I think it works like this
you are in reality buying a licence to have a module/ ship 3D printed on site! So costs work out something like this 95% for the licence 5% for the trashy printout
you are in reality buying a licence to have a module/ ship 3D printed on site! So costs work out something like this 95% for the licence 5% for the trashy printout
In 1984 elite you only had a cobra mk 3. Ever.