Once again when your ship has blown up there is nothing left to sell and thus no sale price.
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No money for insurance -> basically delete your game
- Thread starter BlackSparki
- Start date
Once again when your ship has blown up there is nothing left to sell and thus no sale price.
That's fine, but it doesn't address the scenario I originally posed. Where did the insurance payout go? It has been expressed in the past that the 95% insurance that you have on your ship is a cost that is factored in to the original purchase. So the only out of pocket cost to the player is 5% right? So if you don't have that 5% to cover the out of pocket expense then where did the 95% go? It didn't just evaporate. It would make much more sense that the player be given the credits for the payout in the case where the new ship cannot be covered. Being a few thousand credits short should not mean a complete loss of a multi-million dollar investment, and in the real world it does not.
Since the game already seems to disregard the importance of "fault" in insurance claims, then I don't see that being an issue either. When you crash your 30m credit Clipper you either get a new Clipper at minimal cost, or you get the 95% insurance payout in the form of credits. Makes sense to me, but I'm sure plenty of folks would suggest that to be "easy mode".
This may have already been covered, but I didn't read the previous ~20 pages.
There isn't a payout. The terms of the insurance state that if you meet the 5% excess they will make up the difference. If you can't meet the excess then no deal. It's a cut-throat galaxy. Loitering is punishable by death, insurance companies take no crap.
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Such is life I suppose. Like I said, it doesn't make much sense, but it sure does add to the danger aspect of the game if you're brave enough to fly without re-buy coverage.
The company keeps it. There is a reason why insurance companies pay their lawyers really really well. I do not see this changing in the future.
In the real world that is not how insurance works. With or without the best lawyers in the galaxy, theft is still theft. I'm fine with it not making any sense for the purpose of gaming, but at the same time I like for things to make sense wherever possible. That is the purpose of my question. Saying that the insurance company keeps your payout increases the number of questions/oddities rather than decreasing them.
If this were realistic, you'd be forced to pay a monthly premium based on the value of your vessel, and upon destruction, would then need to pay a deductible to get your new ship. Then, whenever you crashed or lost your ship, the premium would be increased for a period of time until you hadn't made a claim in a while. Of course, the law of large numbers would explain why the deductible was only 5% (since not every pilot crashes their ship at all, let along at the same time) of the ship's value. Then, after a delay, you would receive a check and need to go shopping for a new ship, limited to what was in stock at the station at that point in time.
However, rather than being annoying, Frontier boiled this down to it's simplest mechanics: pay deductible, get ship. No deductible? No ship. This is the better option in my opinion.
However, rather than being annoying, Frontier boiled this down to it's simplest mechanics: pay deductible, get ship. No deductible? No ship. This is the better option in my opinion.
This makes no sense. All through out game play you're building your rep with your local factions, and your own rep with the pilots federation. Why anyone would wipe all of that because they were careless and didn't build them self a safety net is just plain silly. Silly was I say! Silly silly silly.
For those who can't see the big picture, only their ship size and credits balance matters. They don't think about the reputation or PF rank. They don't think about how once 1.3 drops if they reset their save, they are going to have to work even harder to get higher paying missions. As it stands now, they could take a week long sabatical and come back in a Sidewinder, taking high paying missions back to back and making that money back quick.
Some people for some reason aren't happy unless they're bored after churning through the content like a bunch of pirhanna on a thirsty cow, so when they aren't in an Anaconda they get the shakes because their e-peen isn't as big as that other guy over there.
I have a save game that lets me not lose everything and start with a sidewinder. You get something like an asp fully kitted and you store it . You then grind away for something bigger and you if you lose it due to not enough insurance you get your other ship out. Having one ship doesn't make any sense to me but I don't like to have surprises biting me on the behind but that's just me. In the end I plan on having many ships to cover whatever the game throws at me . Take a while yes but certainly better than throwing all your eggs in one basket.
How is it theft?
If the Policy wording states that if the claimant is unable to pay the excess of 5% on the claim, at claim time, then the policy shall replace the destroyed ship with a Sidewinder Mark I, then that is just the contract.
There is no theft.
Receiving a partial or indemnity payment during a claim, might be how it works in the real world, but I bet you if you actually read your real world policy wording for say your car, the different settlement options are actually written into the contract thus isn't some magic "given", it has to be part of the agreement, any settlement option needs to be expressly written in.
And remember that our ships are not cars, unless you use your car for cross territorial commercial purposes, or as a mercenary in a war, or for criminal acts, you cannot really compare
Our Ships insurance is already extra ordinary.
It is a pretty good policy really. Pay the excess and the ship is replaced in full. No exclusions for if you have been using the ship in connection with a crime, or in a war, no worried about the jurisdiction.
And if you cannot pay the excess, the policy still provides you with a Sidewinder Mk.I
Rule one may be never fly without insurance
but it is the policy wording from whence all rules are spawned
Even if ours is just the "Insurance" Section in the game manual
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Why would you be given 95% of your vehicles value if you never paid for insurance? In Real life you pay them for ten years IN CASE you have an accident. In this galaxy you don't pay squat UNLESS you get totalled. In what kind of reality does someone just give you 95%, because you cannot afford to pay them 5%?
"Hi, welcome to Mcdonalds, that'll be $13.40."
You: "I only have $11.00."
McD's: "Oh! Sorry! Here's $1200.00, thanks!"
I've gotta ask: Have you NEVER died? You obviously don't understand the system, as taking off upgrades on the insurance screen is exactly what someone does to get the number down to affordable. These complaint threads are people who don't have the money to even pay 5% of a completely stripped down version of their ship.
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but i was fortunate not to have taken my ship somewhere where there was high risk of losing it.. i was playing it safe, simply trading my way up. Would I have considered taking my nice expensive ship to a resource point as you've described? hell no. I like a bit of fun now, but not with that much to lose. Now you say you like a thinking game.. something that makes you think.. and you don't mind dying.. well it all boils down to risk and reward.. you took the risk with the possibility of later reward, but it didn't pay off.. you had no fall back, you knew that.. but you still took the risk.. and went for it. There was noone else setting your destination, and noone else pointed your ship at that resource point. You may have just hit the asteroids there, but in truth, it would have been just as easy for another pilot or even an npc to trash your ship, the detail doesn't matter,.. just that you were there without insurance is the bit that mattered and it is totally the reason why you didn't get the same ship you lost back after the problem.
As for lag.. well now, not a lot can be done about lag sadly, on the internet, can't really keep on putting all the blame on lag now, so many factors and causes for that.. and we sadly have to allow for its existence no matter what game we play. The truth is.. lag or not.. there exists a system in the game that could and would have covered the full cost of your ship for a much lower cost than a full rebuy if you'd flown with that much floating about as pocket change.. and its a fact everyone who plays this game either knows about and budgets for .. or takes the risk knowing it, and it can go either way.
Things just didn't go your way and that is sadly in noone elses lap but yours. As has been pointed out, you still have your rep, and with so many opportunities now to make credits different ways, you can soon trade up through the ships again, especially as you will have the knowledge from the starter ship how to make the money again.
So its either suck it up and accept that you made the mistake of flying without money to cover the rebuy, and then just get back to where you were after a much shorter replay time.. or.. you can beef about it and blame anything but your decision to fly without insurance and just let bitterness take a hold.. which solves nothing.
I'd personally jump right back in the saddle and play on.. Blazing a new trail could be actually quite fun?
As for lag.. well now, not a lot can be done about lag sadly, on the internet, can't really keep on putting all the blame on lag now, so many factors and causes for that.. and we sadly have to allow for its existence no matter what game we play. The truth is.. lag or not.. there exists a system in the game that could and would have covered the full cost of your ship for a much lower cost than a full rebuy if you'd flown with that much floating about as pocket change.. and its a fact everyone who plays this game either knows about and budgets for .. or takes the risk knowing it, and it can go either way.
Things just didn't go your way and that is sadly in noone elses lap but yours. As has been pointed out, you still have your rep, and with so many opportunities now to make credits different ways, you can soon trade up through the ships again, especially as you will have the knowledge from the starter ship how to make the money again.
So its either suck it up and accept that you made the mistake of flying without money to cover the rebuy, and then just get back to where you were after a much shorter replay time.. or.. you can beef about it and blame anything but your decision to fly without insurance and just let bitterness take a hold.. which solves nothing.
I'd personally jump right back in the saddle and play on.. Blazing a new trail could be actually quite fun?
Actually rule number 1 is.........It's a game.........hellooooo......
Rule #2. learn how to play it.
If a game had a save game mechanism and you failed to use it, played a ton of the game and then died, it's your fault, not the game's.
ED gives you an extremely generous means of starting with minimal loss after dying. It's your fault if you choose not to take advantage of it.
If that makes players rage quit then good. The game really doesn't need players who can't handle learning the game.
If a game had a save game mechanism and you failed to use it, played a ton of the game and then died, it's your fault, not the game's.
ED gives you an extremely generous means of starting with minimal loss after dying. It's your fault if you choose not to take advantage of it.
If that makes players rage quit then good. The game really doesn't need players who can't handle learning the game.
To the OP - depends on how far in you are and how much of your leisure time you've given to Frontier. If it's not too high, working again to replace your loss is probably viable. If it's a couple hundred hours, then I can understand your pain very well. It's unusual that you hadn't been forced through the insurance wringer by that point, but exceptions happen. Condolences on your loss.
Personally, I'm all for Elite simulating the "dangerous" aspect of its name via insurance and ship loss. I'm definitely not for how long it demands players roam the spacelanes for more interesting equipment, as it can lead to the disaster the OP has suffered. People do make mistakes - that Elite has the potential to take hundreds of hours of your life and then leave you with nothing because, somehow, you made the mistake of failing to learn one (even an important one) is less worthy of respect and admiration I think than a possible reality check on the part of the dev team. Asking a player to take twenty to thirty hours to recover their losses would still take the time investment beyond that required by most triple-A titles. Asking a player to sink several hundred hours all over again...well, you'd better be offering gaming Nirvana to expect that kind of time investment with a straight face I'd think
And yes, I know - important lessons, space is dangerous, etc. All well and good, but when you boil it down a game is a game. I'd say save the soul crushing one-shot-no-do-over lessons for the real world
Personally, I'm all for Elite simulating the "dangerous" aspect of its name via insurance and ship loss. I'm definitely not for how long it demands players roam the spacelanes for more interesting equipment, as it can lead to the disaster the OP has suffered. People do make mistakes - that Elite has the potential to take hundreds of hours of your life and then leave you with nothing because, somehow, you made the mistake of failing to learn one (even an important one) is less worthy of respect and admiration I think than a possible reality check on the part of the dev team. Asking a player to take twenty to thirty hours to recover their losses would still take the time investment beyond that required by most triple-A titles. Asking a player to sink several hundred hours all over again...well, you'd better be offering gaming Nirvana to expect that kind of time investment with a straight face I'd think
And yes, I know - important lessons, space is dangerous, etc. All well and good, but when you boil it down a game is a game. I'd say save the soul crushing one-shot-no-do-over lessons for the real world
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Man what a shame you weren't here in Beta 1...
The game has become so easy in every sense, its like Dark Souls got itself transformed into Barbies Pony Farm the game.
You even get a credit (to a certain point) if you don't have enough money and pay it off from your rewards in stations automatically.
Yesterday i lost 6m Cr. by crashing my python twice in a row. Then i had to strip her down to have the insurance money ready.
This is the golden rule, don't fly without insurance!
As a Beta Player i started about 5-6 times from scratch. It's not so bad. Now you know how to make money, you should get back up quicker then before.
And you probably don't fly without insurance anymore.
The game has become so easy in every sense, its like Dark Souls got itself transformed into Barbies Pony Farm the game.
You even get a credit (to a certain point) if you don't have enough money and pay it off from your rewards in stations automatically.
Yesterday i lost 6m Cr. by crashing my python twice in a row. Then i had to strip her down to have the insurance money ready.
This is the golden rule, don't fly without insurance!
As a Beta Player i started about 5-6 times from scratch. It's not so bad. Now you know how to make money, you should get back up quicker then before.
And you probably don't fly without insurance anymore.
It must be convenient to read one post of a multi-post conversation and ignore the rest. That is mentioned, and mentioned many times in this thread. Insurance is supposedly a cost that is factored into the cost of your ship. Think of it like a bank loan. You pay 100% the first time. The next few times you cannot afford to pay down the principle, so you only pay the interest. The 5% cost for your re-buy IS the interest, or premium payment, for your insurance after having been totalled. The 95% is the cost of the ship hull. Combined they make up what you originally paid for the ship. Please, if you're going to participate at least read the context of what is being said.
I'm sorry for being rude. The factoring in of insurance, refers to the fact that the base purchase price determines your insurance cost, not that it is added to your initial purchase price. The company does not collect 5% of your initial payment or anything like that. Sorry again.
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I agree, that is a legitimate way to interpret that part of the game. Since getting into an Asp, and now a Python, I regularly check my re-buy cost to make sure that I am covered. I don't fly without it because I don't want to be set back by 100+ hours. The system the way it is now is perfectly fine with me. I'm just trying to make sense of it all, since it doesn't seem to be a logical system as it stands now. From a gameplay perspective that is fine though. It's made to be a simple system that is easy to understand rather than a convoluted mess that is real life insurance.