Insurance Screen : Bunch of improvements

[PanzerKadaver]

(First, sorry for my very bad English, i'm from "New-Paris" station.)

Actually i'm in a precarious situation : I doesn't have enough money to pay the insurance BUT i have other ships (7) stored in an station.
The solution would be to sell some of theses ships to allow me to pay the insurance.

Unfortunately, the support can't do this action (for some technical reasons i suppose).
It's appear i have to wait and let my Federal Dropship on the loan screen.

After thinking, look at pro/con, I would like to purpose several change of the insurance screen.
These modifications are independents of other.

Modification 1 : Select other ships

You don't have enough money to pay the insurance, you don't want to choose the basic sidewinder and you have other ships stored somewhere ?
No problem ! Keep your money and jump into the seat of one your ships.

Modification 2 : Able to sell some asset to pay the insurance

You don't have enough money to pay the insurance but you have other assets (actually we can only possess ships) ?
Sell them to your creditor (don't worry about him, he take a small cut (10%) in operation) to be able to pay your insurance.

Modification 3 : Better loan

Actually, if you don't have enough money, the only loan you can contract is 200.000 cred. I see two problem :
- It's obviously too much when you have a small ship (sidewinder to type 6)
- It's obviously not enough when you have a big ship (asp, python, etc)

Maximum loan sould be calculated from the rebuy cost of our ship. Something between 30% and 50% seem good (maybe better creditor can allow you more ?).
Of course, one loan at time.

This modification allow you to make one (the mistake to fly without enough money doesn't count) mistake. Only one.

 

[Tryst]

I did wonder why we can't just use another ship if we have others stored somewhere. You get your insurance payout for the destroyed ship and jump into one of the others.

I would rather not have to sell assets but the loan idea is good. Take the 200.000 loan and pay back what you don't use immediately (automatic to stop players using it as capital for trading). Of course this means you still pay the interest on the 200.000 but that's the price you have to pay for being stupid and not keeping enough aside to pay the insurance overhead. Of course this also means you have no capital at all but you have several choices:
(A) Sell a good module from one of your ships.
(B) Do some mining.
(C) Pop a couple of pirates for their bounty.
(D) Take a couple of missions.
(E) Get some exploratory data to sell.