Insurance system re-work

Hi everyone! So first of all, i've never had any problems with paying insurance so it's not a whine thread.

Well the proposed changes are:

- you need to pay insurance BEFORE you leave the station
- insurance is like a deposit and you can leave as much money as you want there. For example: if you deposit 1 000 000 credits, the insurance will cover 20 000 000
- if you take off and your insurance deposit is not enough to buy back the ship a WARNING MESSAGE is displayed (same as WANTED on the HUD)
- insurance can be bought at any time at stations with an insurance office in the contacts:
*if you get DESTROYED WITHOUT insurance, you can by back your ship for 50% of the total value of the ship
- if you die, you can use your insurance money to buy back your ship

I think these simple changes will make it more logical as in real world as well as get these "my cat boosted my ship into station" off the forums.

Any thoughts?
 
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I can't imagine how this would work, but I did just wake up :D

I think your scale is wrong. If an expensive Anaconda cost several million to rebuy, but I can put 1 million down and have 21mil effective insurance, the game becomes a hell of a lot easier.
 
I can't imagine how this would work, but I did just wake up :D

I think your scale is wrong. If an expensive Anaconda cost several million to rebuy, but I can put 1 million down and have 21mil effective insurance, the game becomes a hell of a lot easier.

If you have an Anaconda which is worth 200 000 000, if you crash it the cost will be 10 000 000 to re-buy it right? It the same if you deposit 10 mils right away and use it to pay for a 200 mil ship re-buy.
 
It sounds needlessly complicated when most players make sure not to spend those credits in the first place, current system works fine.
 
I can see the point. You pay for the insurance up front, so that the money in you account is fully yours to work with (rather than having to keep some back, just in case). A useful addition would be that as you upgrade (either ship or kit) the system calculates the change in the insurance cost, so that you can pay it at the time of the change. In the real world you pay your insurance premiums up front, and not in arrears. The only downside is that if you have to make a claim you then (after getting your new replacement ship) have to pay up for a new insurance policy.
 
I can see the point. You pay for the insurance up front, so that the money in you account is fully yours to work with (rather than having to keep some back, just in case). A useful addition would be that as you upgrade (either ship or kit) the system calculates the change in the insurance cost, so that you can pay it at the time of the change. In the real world you pay your insurance premiums up front, and not in arrears. The only downside is that if you have to make a claim you then (after getting your new replacement ship) have to pay up for a new insurance policy.
I don't like real-world comparison for insurance when in E: D your ship has to explode to need the insurance, and IRL typically insurance is used to cover the cost of repairs which it doesn't in E: D. I think it would make a lot more sense if bounties for killing were ramped up to the point where the pilot's federation were actually making money from it, instead of it seeming like they lose huge amounts of money, but unfortunately that would suggest that the insurance would have to be non-applicable to 'fair game' kills which would be horrible.

In the end, the current system works pretty well, it gives the option that the player can take a risk and spend their insurance money instead of mandating you pay an extra amount to cover insurance. The only thing that's different is the player must pay an extra X%, and for all we know we actually already pay that and it's glossed over.
 
I can see the point. You pay for the insurance up front, so that the money in you account is fully yours to work with (rather than having to keep some back, just in case). A useful addition would be that as you upgrade (either ship or kit) the system calculates the change in the insurance cost, so that you can pay it at the time of the change. In the real world you pay your insurance premiums up front, and not in arrears. The only downside is that if you have to make a claim you then (after getting your new replacement ship) have to pay up for a new insurance policy.


Well yeah, that's the point! :D I really don't have any problems with the current system, but it will make you fly what you can afford and think twice before launching...
 
I would agree with just two items from this list:
1) Display a warning if you don't have insurance coverage. May be even do this if you are trying to buy something that would bring your balance lower than the required insurance.
2) Allow to prepay the insurance. This is really redundant if you do the #1 properly.
 
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