If one can't afford ship insurance, impound it until insurance is paid off.

[Ambaire]

I just had a crazy idea, what if when someone loses a ship and can't afford the insurance cost due to ~reasons~, they still have to start off in the stock sidewinder as is current, but their ship is impounded, and they can pay the insurance cost later and get their ship back once they earn that money again.

Edit: I didn't word this very well. What I mean is, if you can't pay the 5% rebuy cost, give the player the option of putting that off until they grind enough credits back that they can afford it, instead of losing it forever due to bad luck or poor planning.

Note: I always ensure I have about 3-4x rebuy cost saved up before I get a new ship, so this wouldn't affect me. Just for the disadvantaged

 

[Viper691]

The problem with that is that you really dont have a ship to impound, it got blown the hell up lol. The rebuy cost is essentially you totalled your car now you are back at the car lot and having them order you another with the same options. I honestly like the idea of impounding your ship and paying to get it out of hock if say you cant afford to pay off warrants or something like that you have to give them something as collateral until you can pay them off or some kind of mechanic like that. Actually Chris Roberts has mentioned an interest in a mechanic very similiar for SC.

 

[Hethwill_Khan]

So you say I had to pay the ship full price only once and afterwards if I messed up the ship aka. destroyed it, I had to pay only 10% for a new one when I have no insurance fund ( + loan ) at balance... ?!

Hmmmm...naaaah, do not buy that crazy idea

 

[Skanvak]

So you say I had to pay the ship full price only once and afterwards if I messed up the ship aka. destroyed it, I had to pay only 10% for a new one when I have no insurance fund ( + loan ) at balance... ?!

Hmmmm...naaaah, do not buy that crazy idea

Actually it is the case (5% I believe).

 

[Hethwill_Khan]

Actually it is the case (5% I believe).

If I have the insurance money that is the case. If I don't have the insurance money I don't have the chance to buy the ship at that price !

What the OP explains is, even if you don't have the insurance cash you'd be permitted to refund the insurance cash and then get the ship back at insurance prices, effectively making all the ships cost full price at first buy and then a re-buy back, over time to refund insurance, at insurance cost.

It is a no go. Makes absolutely no sense.

 

[Skanvak]

ah, yes. Still the insurance is really cheap unless you botch several time, you will always rebuy your ship at lower price.

 

[Lodorenos]

Nope, we don't need any more hand holding. If you fly without insurance and get bown up, your ship won't magically reassemble.