So our first thread was locked: Located here ->
https://forums.frontier.co.uk/showthread.php?t=75691
2nd thread has now been archived: Located here ->
https://forums.frontier.co.uk/showthread.php?t=75875
Recap -
After patch 2.06 a server side change was done, which changed how the Alpha and Beta backer insurance 25% deduction was calculated. Prior, your ship insurance was reduced by 25%. This was a feature presented as a pre-purchase bonus. After the patch hit now ONLY the hull gets a 25% reduction, not the modules.
Many of us are disenchanted at this, as;
1. That was not what we where promised as part of the pre-order bonus. We where promised "25% Ship" insurance, not "25% Hull" insurance. I dont appreciate being lied too.
2. It was done with no explanation, stealth, and only edited back into the patch notes later, after having been implemented as promised in the pre-order bonsues for quite some time. The only official word on it has been Frontier moderators chiming in the "ship" really only meant "hull" the whole time.
3. The major problem is that modules can outweigh the cost of the ship once upgraded, sometimes on the order of 5X+ magnitude. So, your "25% Ship" reduction in insurance becomes effectively 3ish percent reduction overall in repair costs. This leads to a whole host of other problems, especially concerning commanders with limited credits.
All I really want Frontier to do is admit the mistake, and give us back the pre-order bonus that we where promised.
Edit: On the in game workings for insurance -> "i
t is not car insurance. The insurance in ED covers all modules. IT IS ONLY THE DISCOUNT that is up for discussion. The insurance 'coverage' in ED is a known factor. It covers all."