Insurance should cover the cargo too.

[Prolak Grey]

Insurance should always cover the cost of the cargo as well as the ship. That is what insurance is for.

Bad enough some overpowered idiot blows your 300M freighter out of the, but you get punished by losing 30M in cargo as well, on top of the insurance?

 

[[VR] Orodruin]

Ummmm, no.

Elite: Dangerous, not Elite: No consequences.

You can avoid the loss by not flying a paper ship or by flying in solo or a non-PvP private group.

 

[Erei]

Honestly no.

I wouldn't mind a separate insurance you can pay if you want, for cargo. Like a real life insurance. You add an extra fee to protect you from the risk of losing everything, or you don't for more profit, and take the risk.

 

[SlickPBW]

Nah.

 

[Prolak Grey]

Ummmm, no.

Elite: Dangerous, not Elite: No consequences.

You can avoid the loss by not flying a paper ship or by flying in solo or a non-PvP private group.

That mentality is stupid. being blown out of the sky and having to pay huge insurance is bad enough. Having cargo insurance is a perfectly normla, and standard thing.

I am not here for the 'danger' I play this as a simulation not an arcade game.

I have a fully engineered Type 9 heavy with shields and full weaponry. It's not paper. I already have to give up half my cargo space, but I can still get jumped by NPC ships that I have no chance against, unless I get rid of all the cargo holds and fill them with combat equipment.

 

[Erei]

I have a fully engineered Type 9 heavy with shields and full weaponry. It's not paper. I already have to give up half my cargo space, but I can still get jumped by NPC ships that I have no chance against, unless I get rid of all the cargo holds and fill them with combat equipment.

The only time I died in the T9 in PVE, was when I was jumped by 2 anaconda on top of me with another already up my tail, and the FSD on CD. During a mission stacking for empire rank rep.

Otherwise, it's not a hard thing to survive in T9 in pve, really.


Interdiction are part of the game. They are not subject to a free "out of jail" card. Pirates warn you as they enter the system they are going to try and get you. You can always high wake and come back to have them reset. The system is very generous as it is.

 

[Bottom Hat]

You can avoid gankers you know.

 

[[VR] Orodruin]

That mentality is stupid. being blown out of the sky and having to pay huge insurance is bad enough. Having cargo insurance is a perfectly normla, and standard thing.

I am not here for the 'danger' I play this as a simulation not an arcade game.

I have a fully engineered Type 9 heavy with shields and full weaponry. It's not paper. I already have to give up half my cargo space, but I can still get jumped by NPC ships that I have no chance against, unless I get rid of all the cargo holds and fill them with combat equipment.

If you die from NPCs in a fully engineered ship you are definitely doing something wrong.

 

[rrobes]

There are many players that use T9s for cargo and can evade NPC interdictions.

There are ways of running cargo and beating the stuffing out of any NPC that shows up. My cargo Python can dispatch or outrun any interceptors, my Cutter the same. They both have heavy shields and weapons but full of cargo racks, no reinforcements.

My Corvettes can also be rigged in the same manner and are easy buttons on NPCs.

I don’t run any T ships as they are not to my liking as to their flight characteristics. I flew a T7 for a very short time, my style is to fight and not run which led me to my first Python.

Maybe a change of ships would be better for you.

BTW, no to cargo insurance, IMHO, ship insurance should phase out after players reach certain levels.

 

[Erei]

If you die from NPCs in a fully engineered ship you are definitely doing something wrong.

Yup.

First, if you plan on running, drop the guns. If you plan on fighting, mean it. Good old flee or fight.
If you plan on running, then engineer your engine and shield first. A constant boosting engineered T9 will outrun pretty much everyone.
Put shield booster in those slots. A chaff helps to. A point defence maybe, for hatch breakers, put it below the ship (where the hatch is).

Also, if you submit to the interdiction, you get standard FSD cooldown. If you failed the minigame, you get the bad cooldown. One way to do it is to try the minigame, but if you see you will not make it, submit. Then high wake.

OFC this is all PVE, PVP is something else, and I don't do it.

 

[Prolak Grey]

blah, blah, blah.

bottom line is every once in a while you will get blown up, and there is no reason your cargo isn't covered by insurance except as an oversight

 

[Deleted member 115407]

Insurance should always cover the cost of the cargo as well as the ship. That is what insurance is for.

Bad enough some overpowered idiot blows your 300M freighter out of the, but you get punished by losing 30M in cargo as well, on top of the insurance?

lol

That mentality is stupid. being blown out of the sky and having to pay huge insurance is bad enough. Having cargo insurance is a perfectly normla, and standard thing.

I am not here for the 'danger' I play this as a simulation not an arcade game.

I have a fully engineered Type 9 heavy with shields and full weaponry. It's not paper. I already have to give up half my cargo space, but I can still get jumped by NPC ships that I have no chance against, unless I get rid of all the cargo holds and fill them with combat equipment.

and double lol

You're doing something wrong, OP. Perhaps start with sharing your build.

 

[Maolagin]

Agree with it or not, it's a perfectly valid suggestion. I would suggest OP make a post in the Suggestions subforum provided for that purpose. (Sorry to say, OP, but the track record of those suggestions being adopted is not promising, but it's no more promising putting it in the shark pool here.)

That said, game designers always walk this tricky line between making destruction costly enough that the gamer has reason to avoid it, but not so punishing that people quit in frustration. Not an easy balancing act, not least because it's a moving target. Back when I started gaming, the forgiving titles were those that gave you three lives before starting over from the beginning. Whereas now people tend to expect unlimited respawns from pretty much where they left off. Considering the wide range of ages that make up the Elite player base, I really have no idea what balance FDev could strike that would make everyone happy.

 

[Erei]

blah, blah, blah.

bottom line is every once in a while you will get blown up,

Yes. And you deal with it like a grown up should deal with problems. Which is not by whining on the forums.
When I lost my T9 in the situation mentioned earlier, I lost all I earned in the past days in fine and whatnot. I was salty, sure, but it was fair. So I paid, and that's it.

and there is no reason your cargo isn't covered by insurance except as an oversight

There are. That's why IRL you have special insurance for when you want to transport something. Guess what they are for.

Your insurance covers the ship and it's loadout, including engineering. Not what you put inside. Just like your car insurance doesn't care about your cargo, unless you pay extra.

 

[Topheron]

To be fair to the OP, it seems as though Odyssey broke something in the interdictions, particularly when grinding Fed rank.
People have been reporting a disproportionate amount of interdictions, and this might well be something newly broken.
I vote NO. You should have some risk, and when the game is working as it HAD been, the risk wasn’t that bad.
Odyssey has made a lot of things difficult until fixed, and I think this is one of the things that shouldn’t be a change in game mechanics, instead the dev’s need to fix the problem of type 9 pilots finding their play style ruined.

 

[rrobes]

OP isn’t happy that insurance doesn’t cover cargo,

OP isn’t happy that most of the responses aren’t giving him support on his point of view, hence “blah, blah, blah”.

Looks like we should let him figure it out on his own.

 

[WR3ND]

blah, blah, blah.

bottom line is every once in a while you will get blown up, and there is no reason your cargo isn't covered by insurance except as an oversight

I haven't lost a ship in this game in going on 6 years.
And honestly, I'd rather the game didn't have insurance at all.
To be fair though, I don't bother much with the meta game progression, instead preferring to play the game as a survivalist, adventurer, and explorer.
But to each their own. You do you.

 

[[VR] Orodruin]

blah, blah, blah.

bottom line is every once in a while you will get blown up, and there is no reason your cargo isn't covered by insurance except as an oversight

This post has the appearance of a small kid complaining that the ice cream cone fell on the ground. People generally do not agree with you as should be evident from the responses you have obtained. Losing your ship has consequences. It could have been much worse. Deal with it.

If you want insurance to work more like in real life, please pay 1% of your ship’s value per day. If your ship is destroyed, you will need to pay a 10% deductible and your future insurance cost is raised by 1% per week because clearly you are a high risk pilot. Cargo insurance? Sure! That will be 10% of the cargo value plus another 10% deductible if your cargo is destroyed.

 

[Stellar Shepherd]

Having cargo insurance is a perfectly normla, and standard thing.

Yes in RL, where insurance has a monthly fee and where insuring cargo adds to that monthly fee.
But by that logic too, someone destroying you should pay for your damages and your insurance would pay for damages you do to others.
Works in RL, but is a bad game design.

 

[VR SenseiMatty]

Insurance should always cover the cost of the cargo as well as the ship. That is what insurance is for.

Bad enough some overpowered idiot blows your 300M freighter out of the, but you get punished by losing 30M in cargo as well, on top of the insurance?

No, but you shouldn't pay for mission cargo destroyed.
When ship is destroyed during a transportation mission I should only fail the mission, I should not pay a fine on top.