I stiil don't understand how insurance works

rparker1866

R
yet. every time I have died the game lent me the money to buy every thing back. the last time was a 100k out of the 200k max rite. it seems that the game insures roughly the 1st 20 million?

if I have 50 mill in a ship.. the game lends me 200k of the 500k replacement cost rite? I need too have 300k saved?? do I understand correctly ??

does cargo ever have insurance?

thanks
 

ste

S
The insurance is about 5% of the total cost of your ship plus equipment. It tells you exactly and the cost in the right panel. And you have a 200K loan as a fall back.

Cargo has no insurance, but it looks like this will change in the future unfortunately.
 

HardstyleFlavor

HardstyleFlavor
ste said:
Cargo has no insurance, but it looks like this will change in the future unfortunately.
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I hope they don't allow you to buy back cargo with insurance money, that would make it too easy. I do wish however that if I re-spawn near where I died, like if I crash into a station wall on the way in or out, that I could just go and scoop up the cargo I dropped.
 

Cmdr Andy B

Cmdr Andy B
i would advise not leaving the dock unless you have enough both to cover the full insurance amount, plus some seed money to trade with. it means you can get back to where you were a lot faster and your progress doesn't grind to a halt while you earn some capitol to trade the higher value more profitable items like gold.
 

Limpbiscuit

Banned
L
Insurance is a time sink. The game is predicated on you grinding for the best ship and FD will make it a long time for anyone to get that by fining them and them blowing up ppl for friendly fire. So called bugs when you spend half the time in FSD mode then landing up dead in a space station losing millions of cr in the process. In other words it's one wild goose chase.
 

Dabba

Dabba
Technically, unless you are a professional gamer, all video games are time sinks. You're not actually accomplishing anything other than personal entertainment.
 

Drathmar

D
Limpbiscuit said:
Insurance is a time sink. The game is predicated on you grinding for the best ship and FD will make it a long time for anyone to get that by fining them and them blowing up ppl for friendly fire. So called bugs when you spend half the time in FSD mode then landing up dead in a space station losing millions of cr in the process. In other words it's one wild goose chase.
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You sound mad. Grinding for the best ship and best kit SHOULD be in the game. Also if you are getting blown up by friendly fire... learn to stop spray and praying. For my first couple hours bounty hunting it hit me too, then I realized it's really not hard NOT to hit a target you don't mean to. If you aren't aware of where your bullets are going with gimballed weaps you should use fixed. It's possible to use gimballs but safer to use fixed.

As for the grinding thing, if I could get a kitted out anaconda in under ~100 hours play time, it would upset me. I would prefer more like ~200-300.
 

Jaiotu

Jaiotu
I think the OP is confusing insurance with the available loan. Insurance will kick in for any ship you own that gets destroyed. If you don't have the money to pay the deductible then the bank will agree to loan you a maximum of cr200,000 to help buy back your old loadout. If the rebuy cost of your old loadout exceeds your credit balance and the available loan then insurance will provide you with a basic Sidewinder. In any case you can always decline the buyback of the old loadout and take the free sidewinder.
The purpose of the loan is really just to help new pilots who may have taken a few too many risks by flying a ship without accounting for the possibility of losing said ship due to piracy, hostile action or simple negligence. Presumedly, and as long as you haven't found an exploit to quickly fill your bank account, by the time you've reached the point of being able to afford a ship whose insurance buy-back cost would exceed the loan amount, you will be familiar enough with the system to know that you should always maintain enough credits to pay the insurance deductible without any help from the bank.
 

rparker1866

R
Jaiotu said:
I think the OP is confusing insurance with the available loan. Insurance will kick in for any ship you own that gets destroyed. If you don't have the money to pay the deductible then the bank will agree to loan you a maximum of cr200,000 to help buy back your old loadout. If the rebuy cost of your old loadout exceeds your credit balance and the available loan then insurance will provide you with a basic Sidewinder. In any case you can always decline the buyback of the old loadout and take the free sidewinder.
The purpose of the loan is really just to help new pilots who may have taken a few too many risks by flying a ship without accounting for the possibility of losing said ship due to piracy, hostile action or simple negligence. Presumedly, and as long as you haven't found an exploit to quickly fill your bank account, by the time you've reached the point of being able to afford a ship whose insurance buy-back cost would exceed the loan amount, you will be familiar enough with the system to know that you should always maintain enough credits to pay the insurance deductible without any help from the bank.
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ok I think I get it now thanks.. I gave a rep.
 
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