I find it surprising how the insurance can remain low after making a claim. In real life* underwriters would soon want to make higher charges of people who have a bad record, or have other high risk factors.
Is there a case for having an increased insurance cost, if recent claims have been made?
By extension, should space be zoned by 'buyback multipliers'? e.g. anarchy systems attract a x3 multiplier?
*I'm not making the case for realism; that can destroy the fun.
Is there a case for having an increased insurance cost, if recent claims have been made?
Even a simple 'damped' iterative time-based function would do. e.g. reduce the 'extra premium' by 5% each day, and add another 5% (of ship cost) to the extra premium in the event of a claim.
My motivation? None particularly; I find it a little absurd, that under the current policy, players can be consistently careless with their ships. Others might object to suicidal strategies, especially when players are teamed-up.
My motivation? None particularly; I find it a little absurd, that under the current policy, players can be consistently careless with their ships. Others might object to suicidal strategies, especially when players are teamed-up.
By extension, should space be zoned by 'buyback multipliers'? e.g. anarchy systems attract a x3 multiplier?
*I'm not making the case for realism; that can destroy the fun.
