You mean, like they would argue and find any little excuse, no matter how tiny, as an reason to never pay out for anything at all...?
That would make it like reality
Could we possibly change insurance to function more akin to reality?
- Thread starter Omikron777
- Start date
You mean, like they would argue and find any little excuse, no matter how tiny, as an reason to never pay out for anything at all...?
That would make it like reality
So you are (or were) vigilantly aware of insurance price (w/respect to outstanding balance) at all times during your first hundred hours or so & could cite for me the date & time you first crossed the Million credit line for insurance if I were to ask? You probably didn't pay that close attention - it's a matter of noticing it before you get destroyed because it's something new that didn't require any real attention prior to crossing the loan threshold. & if you do (did), then you probably had the credits...as credits, not assets that are normally fairly liquid, absolutely not by the insurer who trusts you enough to give you a massive unsecured loan with no pay schedule, not quite enough trust to take available highly liquid assets without considering the highest risk loan possible about to be given that could be reduced nor is there a thought given to even possibly securing the loan with assets even though a minute later when you appear at your home station & liquidate assets, the insurer has a change of heart & will take payment against the balance from your assets. The insurance system as it stands is bogus and I suppose it can be used to track when people stop playing the game & move to competitors. Most people probably move on; I dont want to, I like the game a lot & maybe those people who gave up on the game could be playing now, maybe trying out Arena & developing rank so I could play again. I'm not going to grind to get my ship back, my time isn't unlimited; I'm trying arena, post while I'm waiting to connect, & play when I can connect. But it seems like I'm schooling more players in debate than schooling the rare newcomers that appear in Arena - I have patience; I don't have infinite patience...
What happens when you pay for your initial insurance on our 140,000,000cr Anaconda, then add a further 300,000,000cr value to it?
Reinsure it for the new value, or just insure it for 440,000,000cr before it's even worth that...? What if I refit for Exploration and bring the cost down to 180,000,000cr. Reinsure it again?
I'd rather pay if/when I die, than keep needing to faff with my insurance every time I refit, upgrade or downgrade.
Some things in real life are crap and don't belong in games. Lol
CMDR Cosmic Spacehead
The rules don't change at all, let alone dynamically, you have a more expensive ship, it costs more to insure, or do you want to buy a base Conda, pay the insurance, spend 800m upgrading and expect that base insurance to cover it? You see you would have exactly the same problem. If you were to do that I would pay out enough for you to repurchase the base Conda and nothing more and you would be back here complaining because the game wouldn't let you pay the insurance for the extra's after it got destroyed. The process is simple, you seem to be the only one having a problem with it, maybe then it's not the system or process that's the issue?