Murderous gankers loose insurance rights temporarily.

[CMDR Cosmic Spacehead]

If it wasn't for the fact i hated Eve Online insurance system, i would suggest something similar.

I'd have a host of different insurance companies, dotted about the galaxy, each offering different rates and standards. Some will insure anyone, but charge more, other only except squeaky clean commanders, and charge much less and so on.

You would need to buy and update your insurance as your ship value increases from these vendors. Unlike Eve, I'd have it simply last until you died, then you need to buy it again.

If you happened to die while breaking your insurance contract, you'd receive nothing. You'd then need to find a company that will insure you. In the mean time, you're flying around without insurance.

To avoid any sort of "griefing" issues, like station ramming (which would effect your insurance payout), you'd have a safety buffer of say 7000cr in active bounties. Basically one free kill before bad things happen.

But this is a terrible idea.
So i don't know why I bothered posting it.

 

[Riverside]

If it wasn't for the fact i hated Eve Online insurance system, i would suggest something similar.

I'd have a host of different insurance companies, dotted about the galaxy, each offering different rates and standards. Some will insure anyone, but charge more, other only except squeaky clean commanders, and charge much less and so on.

You would need to buy and update your insurance as your ship value increases from these vendors. Unlike Eve, I'd have it simply last until you died, then you need to buy it again.

If you happened to die while breaking your insurance contract, you'd receive nothing. You'd then need to find a company that will insure you. In the mean time, you're flying around without insurance.

To avoid any sort of "griefing" issues, like station ramming (which would effect your insurance payout), you'd have a safety buffer of say 7000cr in active bounties. Basically one free kill before bad things happen.

But this is a terrible idea.
So i don't know why I bothered posting it.

In principle I like a lot of that idea, however the potential to accidentally (or naively) fly without insurance would be a big downside, potentially fixed with an automatic renewal type mechanic.

It would be a visible money sink (rather than the currently invisible insurance 'tax' on all profits, which I assume is how the PF earns it's money), and there could be some ironman style gameplay with consciously flying without rebuy.

Perhaps a system that could be offered once the founders permit is acquired, or some similar lock out to avoid complicating the game too much for less experienced players?

And as a few stated earlier in the thread, those that cause trouble a lot, or who die a lot (taking risks beyond their skillset perhaps) would pay a higher premium. With the current system you only see your excess & not the policy value, and your excess isn't directly dependant on your claims history.

 

[CMDR Cosmic Spacehead]

In principle I like a lot of that idea, however the potential to accidentally (or naively) fly without insurance would be a big downside, potentially fixed with an automatic renewal type mechanic.

Turns out some likes my ideas atleast. Lol

To contradict myself, while a fancy new insurance system would be quite interesting and make sense, it won't actually help with the random murderings that go unpunished.
Not just in PvP either, PvE crime and punishment is equally as pointless.

I went on a massive murdering spree in my new battle-ish-conda for PowerPlay (LYR made me do it!), several times, and i regularly gained enormous (100k+) bounties in Wuru.
Then due to internet failure, and general ADHD related distractions, both in and out of game, my huge bounties both expired.
When i returned to continue my murdering spree, no one cared. I was completely clean. When i started murdering again, i was back to 0 credits in bounties, even though i have a huge fine there.
On the same note, i spent ages in a nav beacon, mainly ignoring securities attempts to kill me, while i murdered PowerPlay NPC's in front of them.
When my shields got a bit low, i simply low waked out, dropped down, did a quick reboot, and returned to the nav beacon, and started again.
Not once was i chased or interdicted in supercruise by security.
I even docked in Wuru to rearm. Lol

While i don't want Uber carebear levels of invincible suoer-gank security, they do need to be a bit more proactive. Lol
And fines from expired bounties need to be instated as a bounty if you commit any other crime in that system.

 

[Riverside]

I went on a massive murdering spree

You don't specify, but I'm going to assume you mean Cmdrs rather than just NPCs.

For a C&P type system to be successful, I think it needs to provide the kind of dilemma for you that would make you think twice about a lobsided kill, ie one where your chosen opponent doesn't really offer any immediate threat to you.

But I think it needs to go the other way too, to provide the dilemma for the meek cmdr before going to that hotspot system, getting ganked & complaining about it. The insurance system, if tweaked to take into account the recent history of ship losses (perhaps only to PvP), it could make those players think twice about the risk they are taking.

I play in open, essentially I am your content CMDR_Cosmicspacehead, I am the trader at the CG, the PvE loadout visiting the Engineer (I don't PowerPlay though). Now I accept that risk & plan for it, I play in open because that lingering malevolent threat of meeting a player such as yourself adds a little excitement, even though we are unlikely to ever actually meet.

I think purely PvE gameplay in a group is a little dull, because there is no chance that the Cmdr I chance upon may be a foe. They are all benign. OTOH in Open, chances are nowadays that every encounter will be hostile, which is also dull because there is still no need to IFF, to be wary. There seems now to be a high chance that if I randomly meet another Cmdr in open they will assume I want to have a fight.

So if you (in your role as an aggressor) meet me in open, just doing my PvE thing, I want you to have to think twice about whether to engage, just as I planned carefully how to approach the station in a system where I may meet some opposition. And if you just go nuts & attack everyone as you describe, I want you to get taken out in a blaze of glory & have some sort of long lasting, lingering consequence.

With the current system your bounties go away, but your reputation with the local factions stays low. Perhaps that's the area where this 'karma' can come into play. You would be motivated to move away from that system, or do PvE work to rebuild your rep.

So what punishment do you think the local faction(s) that you lost favour with should apply, long term? Docking services restrictions? (eg no refuelling, restocking etc), having Police follow you around?

What do you think would deter you from taking things too far?