I think I have solved the insurance game ender problem

[blowdog]

For people who are not credit worthy they should be allowed to borrow from black market lenders with crazy interest. If you default then they send 3 vipers after you to claim your ship or destroy you if you decline.

Hahah what an awesome idea - love it.

No I don't think we should run around ''accomodating'' people.
If the mechanics ''should be realistic'', let's start with the ones that make the world harsher. Then we can talk about insurance IMO.
They have a safety net. It extends to 200 000 Cr. That's a lot of money. I don't think the big trader fat-cats should have a magical safety net, it's bad enough that they basically get a perfect replacement ship at 95% off when they explode because they didn't want to drop 2 canisters of Palladium.

I'm not sure if you've ever grinded enough time away (Like, 100's of hours) that many people have done in order to buy a high value ship, but your argument shows you have no idea. 200,000 credits means nothing when you are in those top tier ships. I spend that every 30 mins in fuel alone. If you must insist on a loan, then it needs to scale with the value of the ship you've lost. The suggestion isn't a safety net, it's a suitable penalty.

I can not give negative rep any more is there a fault? is it overloaded?

Well son, if you can't say anything nice, say nothing at all.

There needs to be risk. Players will play differently if there is a safety net.

i.e. In a dangerous situation, you decisions are very much influenced by the existence of a safety net.

There is a risk. You lose your ship and this could still come in at 10s of millions of credits.

 

[roderick]

There needs to be risk. Players will play differently if there is a safety net.

i.e. In a dangerous situation, you decisions are very much influenced by the existence of a safety net.

The risk would be the same as the real world. You would borrow money to buy a replacement vehicle, the same if you choose, and pay interest as a result. Theoretically you should also be able to choose an insurance plan that has no deductible.

 

[GJ51]

I know there's big discussion around the fact that Elite: Dangerous is titled as such because it's a dangerous and hostile world blah blah but I've always been against the mechanic where players lose their ship and have not got enough insurance money to rebuy their ship, forcing them, unsympathetically, back into their sidewinders.

For a majority of players, especially when loosing 100's of millions, this quite often means:

View attachment 15339

I've always said that there's no other game that would expect you to grind 100's hours worth of gaming and through some poor decision on the players behalf, they lose literally everything and have to start from the beginning. This works on roguelike games which have an investment of minutes or hours, but not months worth of building bank.

So how about this as a suggestion.

You pancake your palladium loaded Anaconda into the inside wall of a station because you were playing with one eye closed and leant on the boost button.

Insurance to replace = 10m credits. You only have 3m credits
You replace the ship and your new balance is -7m credits.

Now, because you are in negative equity, all you can do is fly around - you cannot buy anything, no fuel, no commodities nothing. You must repay the debt and put it back into positive figures before you can start spending again.

The obvious player solution is that most will downsize their ship by selling it for a cheaper ship which will return them sufficient equity again to play as before. Now, instead of a game killer, they've lost their Anaconda and are punished enough for being dumb-asses by being forced back into an Asp or similar.

At least it's not the end of the world but smashing your ship up and not keeping enough money for insurance is still punishment and deterrent enough, because ultimately it means you lose your ship.

Have I missed anything?

Yes - your trying to solve a problem that doesn't exist.

Anyone smart enough to earn a ship worth 100Mil or more should be smart enough to keep plenty of reserves in the bank to guard against his own stupidity.

No new solutions needed...

 

[Defacto]

Hahah what an awesome idea - love it.



I'm not sure if you've ever grinded enough time away (Like, 100's of hours) that many people have done in order to buy a high value ship, but your argument shows you have no idea. 200,000 credits means nothing when you are in those top tier ships. I spend that every 30 mins in fuel alone. If you must insist on a loan, then it needs to scale with the value of the ship you've lost. The suggestion isn't a safety net, it's a suitable penalty.



Well son, if you can't say anything nice, say nothing at all.



There is a risk. You lose your ship and this could still come in at 10s of millions of credits.

I think what we have now is a suitable penalty and security net.

 

[Alli]

Is it not as simple as an Undock warning..
" uninsured - undocking"

Then it is no longer forgetfullness, but a calculated risk.

No matter what you Guys say, it is a complete gamekiller, to Loose 100 hours of gametime, due to some hickup when docking or accidently strafing a NPC etc..
a simple warning when undocking would fix.

 

[roderick]

Not to mention when some player crashes into you in the docking area, or on the odd chance two PVP players team up to dominate you.