Cargo Insurance - what SHOULD it mean?

[Nikonthenet]

I notice there is an entry for 'Cargo insurance' on the in-game screens / ship info...

How do you think this feature should work?

I would like that Cargo Insurance is VOID upon ship self destruction.
-I think this because it might help give some consequence to traders, and therefore pirates. Traders who self destruct -and are able to do so immediately, I believe it should have a 2 minute countdown- do so in the face of what makes the game an RPG. Its a very cheap I win button.

On a side note, I'd really like that jettisoned cargo have at most 2 minute lifespan -to encourage pirates to make the decision to let the victim go to collect the cargo before its gone.

 

[euclydian]

I don't think there should be such a thing. Game is too easy and safe as it is.

 

[Sallen]

I think in any case insurance has to be paid for. You carry very valuable cargo? Then you pay a portion of that price as an extra so that in case it is destroyed or lost you are refunded. Balancing prices here will be very important, but I think it can be made an interesting mechanic where you have to gauge your risk against your profit.

I don't think there should be such a thing. Game is too easy and safe as it is.

Watch out people, we have an Elite here...

 

[Nikonthenet]

I personally hope the insurance covers a % of the loss but not all, much like ship insurance. I expect that'll be the case.

I think theres a good case here to create meaningful decisions for the trader regarding piracy(Player or NPC) and ship self-destruction, which currently seems to be a bit of a 'cop out'.

 

[foxpur]

As example, I lost a 630000 credit cargo (to a bug) and all my funds were lost, my ship was lost... I was set back days of intense play... having some recovered the way ship insurance is would have helped... but I should think it needs to be bought each new cargo.

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I don't think there should be such a thing. Game is too easy and safe as it is.

Yea, I can tell you are full of yourself, I'm struggling

-1 rep for arrogance

(I wonder what happened if you get negative rep in the forums...hmmm)

 

[777Driver]

I don't think there should be such a thing. Game is too easy and safe as it is.

Well fortunately the devs don't agree with you. It would be ridiculous not to have cargo insurance, especially when flying the Type-6 and larger. Imagine a heavy freight/shipping or cargo airline operating without insurance.. Accident's happen, and with the random module failures being implemented the risk is even higher.

As long as the system is well thought out and planned it will be fine. The fact that it hasn't been fully implemented suggest they are waiting until it is fully ready.

Let me just give you one example - You are hauling 800,000c worth of Superconductors, you get attacked by pirates, you are good pilot, manage to escape (even take out the attacker) Your thruster's took heavy damage but still work. On final approach to your port, your thruster's drop offline at the last minute causing you to crash into the pad and destroying the ship.

Trust me, you will at least want compensation for some of that freight you lost, even if you pay a higher premium in the future.

 

[Nikonthenet]

As example, I lost a 630000 credit cargo (to a bug) and all my funds were lost, my ship was lost... I was set back days of intense play... having some recovered the way ship insurance is would have helped... but I should think it needs to be bought each new cargo.

Thats a good point, I agree!

As long as the system is well thought out and planned it will be fine. The fact that it hasn't been fully implemented suggest they are waiting until it is fully ready.

Nothing wrong with throwing a few ideas around in the meantime tho surely!?
-Someone might raise an issue for the team at FD to consider, or just give them confirmation they're on the right tracks with their current plans. Both outcomes are good.

 

[ste]

As example, I lost a 630000 credit cargo (to a bug) and all my funds were lost, my ship was lost... I was set back days of intense play... having some recovered the way ship insurance is would have helped... but I should think it needs to be bought each new cargo.

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Yea, I can tell you are full of yourself, I'm struggling

-1 rep for arrogance

(I wonder what happened if you get negative rep in the forums...hmmm)

There has to be some consequence to dieing though. If we keep asking them to remove it all then then you lose the fear/excitement of staying alive. It becomes more boring.

People want to lose nothing when die. Carry on as if it never happened. Have your bountys transfer, your exploration data, everything. Enough that it doesnt matter.

Theres no game over screen on this game, its a game you cant lose, so is it that unreasonably to expect too have some sort of penalty to dieing.
And If the game doesnt give you reason to value your life thats when people start playing suicidally and immersion breaking.

Most games have some kind of penalty for failure, otherwise its not a game. Why should this one be any different.

 

[777Driver]

There has to be some consequence to dieing though. If we keep asking them to remove it all then then you lose the fear/excitement of staying alive. It becomes more boring.

People want to lose nothing when die. Carry on as if it never happened. Have your bountys transfer, your exploration data, everything. Enough that it doesnt matter.

Theres no game over screen on this game, its a game you cant lose, so is it that unreasonably to expect too have some sort of penalty to dieing.
And If the game doesnt give you reason to value your life thats when people start playing suicidally and immersion breaking.

Most games have some kind of penalty for failure, otherwise its not a game. Why should this one be any different.

I think you're going a bit too far mate, insurance does not mean you get to keep everything. I flew around with a 5mill ASP in Beta 3, no insurance. Got taken out by two Cobra's and ended up with 1000c and a sidewinder. Insurance should not mean Easy mode, but if you have it you can crawl back up that ladder again... Not end up an unemployed hobo looking for your first ever job

 

[ste]

I think your going a bit too far mate, insurance does not mean you get to keep everything. I flew around with a 5mill ASP in Beta 3, no insurance. Got taken out by two Cobra's and ended up with 1000c and sidewinder. Insurance should not mean Easy mode, but if you have it you can crawl back up that ladder again... Not end up an unemployed hobo looking for your first ever job

But now you have loans if you have no insurance, so basically insurance insurance. So now that wouldnt happen. If you get you cargo back too... Then blowing yourself up could actually become no more than a quick form of travel.

 

[777Driver]

Nothing wrong with throwing a few ideas around in the meantime tho surely!?
-Someone might raise an issue for the team at FD to consider, or just give them confirmation they're on the right tracks with their current plans. Both outcomes are good.

I agree with you 100% I would have hoped they already have a fairly good idea of how to implement cargo insurance. A good idea I read a little while back, trading in Anarchy systems should void insurance (or at least require higher costs on the commanders part) no idea how they would implement that kinda stuff, but things like that would help with realism.

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But now you have loans if you have no insurance, so basically insurance insurance. So now that wouldnt happen. If you get you cargo back too... Then blowing yourself up could actually become no more than a quick form of travel.

Very true, but as I said, it needs to be well thought out. We would already have full cargo insurance if it was simple to implement. At the moment it is just a display on our panels. Let's hope they implement it well, and listen to feedback. Btw, loans only apply to starter ships. Once you have heavily upgraded ships the loan wont cover it. I think it's just a way to help new people.

 

[Alric]

I agree there should be cargo insurance but it should be priced dynamically according to risk.
It would have to have a significant cost or it just totally removes risk from that side of the game.
Trouble is, if the cost is not trivial, many people will just not buy it but still get mad when they lose their stuff.

 

[DRY411S]

For me it should be like what the UK motor industry today calls '3rd party fire and theft'.

It would be redeemable only if you were shot out of the sky when you had a clean reputation. If you were wanted, had a bounty, or carrying stolen goods, you would lose all. If you crashed or self destructed, you would lose all.

You would choose to make a claim (and pay the amount requested) in the same screen as you decide what parts of your ship you want to buy back.

I'd imagine it might be tricky to implement because the ship you decide to buy under insurance may not have the capacity for the cargo you had been carrying. But that's easy to overcome.

 

[Katkon]

I don't think there should be such a thing.

I support this message.

 

[foxpur]

There has to be some consequence to dieing though. If we keep asking them to remove it all then then you lose the fear/excitement of staying alive. It becomes more boring.

People want to lose nothing when die. Carry on as if it never happened. Have your bountys transfer, your exploration data, everything. Enough that it doesnt matter.

Theres no game over screen on this game, its a game you cant lose, so is it that unreasonably to expect too have some sort of penalty to dieing.
And If the game doesnt give you reason to value your life thats when people start playing suicidally and immersion breaking.

Most games have some kind of penalty for failure, otherwise its not a game. Why should this one be any different.

That's why I said you have to buy it each time, it doesn't come free and going up as the cost gets bigger.. Note, you aren't dying, you eject and get picked up in a unknown way and given whatever you chose. This has been the cause of several amused jokes over here.

 

[Chiefie]

Cargo insurance should cover a loss due to accident basically crashing my type 6 into the wall of a docking bay whilst not paying attention when the missus phones me.... only, not self destruction or being killed by (any) enemy fire.
This makes sense, and would greatly limit the rage of losing 750,000 credits.

 

[DocStone]

I don't think there should be such a thing. Game is too easy and safe as it is.

I have to agree, and I say this primarily as a Trader myself. Trading has massive profits, so it should have massive risks associated with it. Cargo Insurance would just mean dying becomes more of a slight inconvenience than something to be avoided at all costs.

 

[trickytristy]

I think that cargo insurance should be introduced into Elite Dangerous. Even though one might argue that its the risk that makes trading so lucrative (and I do agree with that). But in other professions such as bounty hunting and pirating, you do have insurance for you ship which is your main asset in ED. Your cargo is just the equivalent of that; your primary assets. Does a pirate and bounty hunter, or an explorer lose everything when they die? No, because of ship insurance. This to me seems that you don't need to worry about death in those other professions which seems unfair.

 

[Roybe]

I think that cargo insurance should be introduced into Elite Dangerous. Even though one might argue that its the risk that makes trading so lucrative (and I do agree with that). But in other professions such as bounty hunting and pirating, you do have insurance for you ship which is your main asset in ED. Your cargo is just the equivalent of that; your primary assets. Does a pirate and bounty hunter, or an explorer lose everything when they die? No, because of ship insurance. This to me seems that you don't need to worry about death in those other professions which seems unfair.

Actually, epxlorers lose EVERYTHING including their data. The insurance replaces the hull and loadout. That is it. Explorers data is a smoking pile of data chips and metal in an accident. With the introduction of naming places, their world just became much more dangerous, and frustrating.

 

[Derath]

don't agree at all,

well unless you pay a premium that involves on average you losing money, you know.. like the real thing?

lastly trading currently is about as easy as you can make it, lucrative routes are a dime a dozen, everything scales nicely for traders, soon as you move 100ly in any direction you never see a player again and the only danger is hitting boost accidentally while flying your unshielded cash wagon.

I mean really all the hate for this guy that said he thought it was too easy as it is? The only way they could make it easier is if you could remote buy and sell or buy universe traders to do it for you >< (x3)