Number of insurance claims?

Michael Whatever

M
I would like to claim that every death is a little badge of courage, with my commander paying the ultimate price, a noble death for his noble convictions.

That would be disingenuous, whilst there have been a few ganks there has mostly been a whole heap of fatal incompetence. I've crashed into stations, ships, planets, moons and engaged in epic and protracted combat (and lost the vast majority) with all extant ED species and a fair amount of AI. I've been outclassed and stubborn and then killed again. I've been immobilised, pulverised, pirated and suffocated. On at least two occasions I have committed suicide (which is a very weird sentence to type).

I guess I'm a slow learner.

Varied playstyles will have dramatically different outcomes and whilst I admire the hardcore iron-man guys I'm really not that brave.

At some point, I suppose I have to admit that I must be a poor insurance risk. For the record my main, and only account, plays (almost) excursively exclusively in open and has limped through 3282 hours and has 96 insurance claims.

So I have racked up 1 insurance claim per 34 hrs played and I have absolutely no idea if I am winning yet? :)

If you are “brave“ enough, please help me provide context and statistics from your main account.
If nothing else it should help the galactic insurance company better calculate commander risk & I'm sure we would all like to help those insurance companies?



edited for sloppy typing
 
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Deleted member 121570

D
I tend to agree with you. For me, each rebuy has been an opportunity to learn, to reflect on what I did wrong, and inspiration to get back and try again - putting that into practice.
Here's mine, accrued over about 5600 hrs :)

Screenshot_0054.jpg
 

Stealthie

Stealthie
Honestly, I stopped looking at my hours when it rolled over 9000 (insert meme here).

I have 78 claims though, so based on >9000hrs, that's ~115hrs/claim.

To be honest, though, when I first started I had a bit of a habit of self-destructing my ships whenever I got stuck or confuzled so I've probably made about 20-30 "voluntary" claims.
 

Riverside

Riverside
73 claims (I stopped counting/caring after about 50), current time played according to the in-game counter is 66w 1d 6h which is 11,118hrs.

So 152hrs per rebuy :)

I remember the first couple of years of play I calculated I lost a hull on average once a month, I care less now than I used to & there have been a few occasions mucking about with friends where I've been popped several times in quick succession but in general I still try to avoid losing a hull, it gives me motivation to keep pushing rather than just suicide out of some sticky situations :)
 

Borko

Borko
Never bit it, May? The first one’s the hardest. I’ve found the more rebuys I eat, the better pilot I become and the more fun I have in this game. YMMV.

Edit: don’t have access to computer to check mine ATM. I’d guess somewhere in the forties in 1400 hours. More lately than previously.
 
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WR3ND

WR3ND
5 losses in 2015/3301 and none since then. Not quite a mark of skill or anything though, mostly just my survivalist play style.

Getting "gud" at this game and progressing in it, losses are just par for the course, really, so not a big deal. Just not my style.

As long as you can afford a rebuy, the meta doesn't really care. Just up to you if you want to bother to or not. In general, I'd probably actually argue that surviving is often more trouble than it's worth as then you have to play the game more conservatively.

Cheers.
 
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[VR] Orodruin

[VR] Orodruin
Sanderling said:
I tend to agree with you. For me, each rebuy has been an opportunity to learn, to reflect on what I did wrong, and inspiration to get back and try again - putting that into practice.
Here's mine, accrued over about 5600 hrs :)

View attachment 192435
Click to expand...
Yup, you are definitely what insurance companies would call ”too risky” to insure. On the other hand, I am gonna take a wild stab and guess that those are mostly viper claims ...
 

Stealthie

Stealthie
[VR] Orodruin said:
Yup, you are definitely what insurance companies would call ”too risky” to insure. On the other hand, I am gonna take a wild stab and guess that those are mostly viper claims ...
Click to expand...

Never understood why FDev don't put a bit more effort into insurance claims.

Set it up so that, say, the initial cost of a rebuy is 25% but that decreases by 5% every week you don't make a claim (to a minimum of, say 5%) or, conversely, increases by 5% every time you make a claim (to a maximum of 100% of the ship's value).

If it was up to me, I'd also look at extra features too, such as if you're down to the 5% rebuy (indicating you rarely lose a ship), maybe you could be offered stuff like cargo compensation, payment for lost data or to have any outstanding missions counted as complete?
Conversely, If you hit the 100% rebuy - and stayed there for a month - (indicating you're continually losing ships), maybe you stop getting engineered modules back after a rebuy?

Additionally, maybe they could set it up so that after you lose a large-pad ship, you can only be insured for medium-pad ships for a month?
Equally, if you lose a medium-pad ship, you only get insured for small-pad ships for a month.

I'd like to see real consequences for ship loss and real benefits to remaining unexploded.
 

Stealthie

Stealthie
WR3ND said:
It's an MMO thing. They don't want to "punish" people for playing their game. Just explorers, which is probably one of the reasons I like exploring. ;)
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I did say I'd set it up so that data would be insured once you hit the full no-claims-bonus.
That shoud work pretty well for explorers, given that they're likely to be out in the black for long enough to max their NCB.

Course, the whole thing with exploration data does stick out like a sore thumb - especially now you can even buy back your SLF jockey. 😕
 

WR3ND

WR3ND
Stealthie said:
I did say I'd set it up so that data would be insured once you hit the full no-claims-bonus.
That shoud work pretty well for explorers, given that they're likely to be out in the black for long enough to max their NCB.

Course, the whole thing with exploration data does stick out like a sore thumb - especially now you can even buy back your SLF jockey. 😕
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In all honesty, for me personally, I'd rather there weren't insurance claims in the game at all, meaning lost ships and modules. But that's just me, not something I would really suggest. I'm fully aware that my play style preferences often aren't well suited to most.
 
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