Pilots Insurance made me stop playing ED

Slack

Slack
I finally got my Python yesterday and after a few upgrades I had no money in the bank.

Then I made a bonehead move and died.. guess what? Pilots insurance covers you for 2.5 mil... a Python costs 2.9 mil to buy back. So you can now have a free sidewinder and start all over again. After 160 hours of grinding i had my Python for 1 day and i can start all over again... haha dont think so. They should increase the limit by a lot or remove the limit all together and increase how much of your income they take, say 15-20% vs 10% until loan is paid back. Why is there a limit? All it will do is make players stop playing the game if they run into the same situation. I'm not blaming pilot insurance for what happened, its entirely my fault.. but lets be honest ED doesnt exactly have the best explanation of everyting. I didnt even know there was a limit till this happened.

I guess this is what it feels like when you buy a brand new car and smash it up the very next day. At least insurance will cover it....... or will it???? XD

I left it in the loading screen. Maybe one day i will read an update that says "pilots insurance limit increased" and i can start playing this awesome game again.
 

X-Terminator

Banned
X-Terminator
1st time I've heard of this limit. I'll try and remember as I approach Python (if ever). I'd prefer a fleet of small ships I think. Less risk.
 

tetra

tetra
As much as I feel for you, I still don't get how this keeps happening to people... If you don't have the physical cash to pay for insurance at LEAST once (preferably multiple times) why would you ever take it out the station.
 

Arkantes

Arkantes
tetra said:
As much as I feel for you, I still don't get how this keeps happening to people... If you don't have the physical cash to pay for insurance at LEAST once (preferably multiple times) why would you ever take it out the station.
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Because people would rather enjoy their new toy now than grind more just to afford undocking.
 

Monk

Monk
Arkantes said:
Because people would rather enjoy their new toy now than grind more just to afford undocking.
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That's fine, but the consequences remain.

ED doesn't reward impatience. ED itself is an exercise in almost extreme patience, at least if you want large ships. There is plenty of instant gratification for most of the other ships.
 

Darth Ender

D
I dont feel for you. You gambled and lost. Boo-hoo. Nobody tricked you or forced you to do what you did and you knew exactly what you were risking - or should have having played long enough to get a python. Not feeling sorry at all...dont let the door hit you on the way out.
 

OrLoK

OrLoK
Hello there

The instant gratification factor is there.

Ive done it myself when trading and having the chance to greatly improve my cargo hold after grinding for what seemed an age.

But I was aware of the risk and made a calculated choice and luckily because I was at a low level I knew I could get the insurance fairly quickly.

Ive stopped at my Viper/Cobra as I find the insurance costs on higher ships not worth the time. Perhaps op can find fun at lower tier levels?

Rgds

LoK
 

DrStrangeLove

DrStrangeLove
I had a friend do this in 1.2 with an FDL. He took it into a RES to test it out. Basic, out of the box FDL. He didn't have money for any real upgrades, nor enough in the bank for insurance.

He didn't think about either of those. He lost his FDL to an asteroid and was crestfallen to say the least. I felt bad for him but it was also all I could do to keep from asking him why he didn't sell his Clipper that he wasn't using to insure he had enough money to buy back his FDL.

In the end we determined he was 100k cr shy with the 600k loan amount to buy back his FDL... he screamed a lot in teamspeak while flying his sidewinder. There's 10 of us in our group that play(ed) this game and we would've all chipped in to buy him another FDL if there was some way to transfer money. But there isn't so we waited for him to log off and then we all proceeded to laugh at his expense.

I leaned this lesson early on in my sidewinder. NEVER buy a ship unless you have the means to cover the buy-back. Sorry it took you losing a Python to get there :(
 

Karakhian

K
When you buy your ship, you buy a lifetime insurance contract as part of the price. You are only required to cover 5% of the cost in the event of ship destruction to get your ship back.

This is actually in the manual... and your rebuy is placed very clearly under your current balance in the status screen. It's considered standard practice to never take off in a ship unless you have at the very least that rebuy cost in your balance... or you risk losing your ship completely.

You've had a horrible experience... and been brought up face to face with one of the hardest lessons to learn about Elite... you can lose your ship completely. For a lot of players, this is actually pretty important - unlike many games where you can just start from the last checkpoint, etc, the risk of actual loss in game is very real. It adds a sense of danger.

Most players make rules for themselves to manage this risk. Never take off without at least triple your rebuy cost. When buying a ship and then outfitting it, remember that you must keep some money aside for rebuy in case of accidents, and also some extra if you need to buy cargo. Some keep multiple ships so that they have a back-up in case the worst happens.

Originally, the loan from the Pilot's Federation was only 200,000 Cr. It was intended for starting players to help understand the cost of losing your ship in the first accident. It was increased to 600,000 Cr. It has now been increased so that it scales up based on your best Elite rank, getting higher the better your rank is.

None of this helps you right now though. I know it won't make you feel any better about it. Most players have had that horrible moment when you first lose a ship and realise what not having the insurance rebuy means. You've been horribly unlucky though. To get to a Python before learning this lesson, and then only having it one day...

I feel for you - and you should know you haven't lost everything. You keep all your reps with the factions. You keep your Elite ranks. But most important is that you keep all your experience of being a pilot. I know it sounds ridiculous, but now that you know how to play the game, you'll find you'll make money ten times as fast from that starting position. You know how to fly, take off, land, fight, run, manage your ship. The skills you have are all still there, and you might find they matter a lot more than what ship you fly. Each time you learned something about flying your ship, you became that much better as a pilot. You might be surprised at how quickly you can come back from it. And then one day laugh about the story of how you got to a Python, flew it without insurance and then lost it, all in a single day. Because that's a hell of a story just by itself.

Do whatever you think best - but for what it's worth, I think you should pick yourself up, dust yourself off, and climb back in the cockpit. You might be surprised how liberating it is to discover you can take a loss like that and then come back from it.

On this very forum there was actually a guy who lost a 200 million Cr fitted Anaconda from flying without insurance... and he decided to come back, and was in an Asp within a couple of days. And he learned the lesson we all do at some point:

Never fly without your rebuy.
 
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