prepaid insurance toggle

cyd · Jan 28, 2015

For some people, they may have overbought their cargo. Some may have just gotten the ship but alot of people can't figure out how large the risk of flying without insurance. For those people, I propose an automatic insurance toggle. Simply add 5% to the cost of all components and ship so that any death is prepaid. Done deal. No more crying.

Heartwork · Jan 28, 2015

So when they die twice in a row, they won't be crying? Optimistic.

Lestat · Jan 28, 2015

I think the best idea is put a warning when you lack insurance before you launch. So it a easy fix. It also dose not dumb down the game more.

babelfisch · Jan 28, 2015

cyd said:
For some people, they may have overbought their cargo. Some may have just gotten the ship but alot of people can't figure out how large the risk of flying without insurance. For those people, I propose an automatic insurance toggle. Simply add 5% to the cost of all components and ship so that any death is prepaid. Done deal. No more crying.

AFAIK the insurance is already paid in advance when you buy your ship/components. The 5% are an additional fee. I think it's a good thing that some people learn it the hard way, so they understand this game is not babysitting them and are prepared for the next unfair experience. Just my opinion.

avow555 · Jan 28, 2015

clean simple solution, plz note devs.

babelfisch · Jan 28, 2015

Lestat said:
I think the best idea is put a warning when you lack insurance before you launch. So it easy fix. It also dose not dumb down more.

I made a proposal in one of the thousand other threads about insurance. The station control already tells you that you should fly slowly and so on, she/he could easily say "dont fly what you cant afford - allways remember to have your insurance covered."

Valethar · Jan 28, 2015

Should probably post this in one of these two subforums. It will likely have a higher chance of being seen. 'Dangerous Discussion' tends to move fairly quickly, is full of trolls, and can at times be rather toxic. It's generally not a good place to post a constructive suggestion that you want someone on the Dev team to see.

https://forums.frontier.co.uk/forumdisplay.php?f=32 - Gameplay and Features
https://forums.frontier.co.uk/forumdisplay.php?f=76 - Dangerous Suggestions

Lestat · Jan 28, 2015

People like the risk and reward. A toggle for a warning before you launch is just fine.

Chrisfs · Jan 28, 2015

That's not any better than simply giving people their ship back with no cost. Increasing the cost of items automatically doesn't mean anything to anyone.
Insurance is in the manual (page 103) and your premium is listed in the right panel. If you are going to be upset by that, you're going to be upset as to why your laser don't fire after a while (overheating), your guns don't fire (no ammo), your heat sink doesn't work.
People can grasp the idea of ammo, people can grasp the idea of insurance. If they are old enough to drive a car, they can grasp the idea of insurance and have some idea how it works (and Elite doesn't even have monthly premiums, just a fee when you explode). If you're not old enough to drive a car, consider it a good intro to the concept.

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babelfisch said:
I made a proposal in one of the thousand other threads about insurance. The station control already tells you that you should fly slowly and so on, she/he could easily say "dont fly what you cant afford - allways remember to have your insurance covered."

If an additional solution is needed, this is the form that I think it should take.

Lestat · Jan 28, 2015

Chrisfs said:
That's not any better than simply giving people their ship back with no cost. Increasing the cost of items automatically doesn't mean anything to anyone.
Insurance is in the manual (page 103) and your premium is listed in the right panel. If you are going to be upset by that, you're going to be upset as to why your laser don't fire after a while (overheating), your guns don't fire (no ammo), your heat sink doesn't work.
People can grasp the idea of ammo, people can grasp the idea of insurance. If they are old enough to drive a car, they can grasp the idea of insurance and have some idea how it works (and Elite doesn't even have monthly premiums, just a fee when you explode). If you're not old enough to drive a car, consider it a good intro to the concept..

If it in the Manual all they have to be upset from is Not reading the MANUEL.

edd · Jan 28, 2015

cyd said:
For some people, they may have overbought their cargo. Some may have just gotten the ship but alot of people can't figure out how large the risk of flying without insurance. For those people, I propose an automatic insurance toggle. Simply add 5% to the cost of all components and ship so that any death is prepaid. Done deal. No more crying.

And when you die you need to immediately prepay the 5% on your replacement ship or you can't have it?

Edit: or what Heartwork said basically. Can only work once, and is therefore more confusing.

Elriuhilu · Jan 28, 2015

Why are people even still talking about this? Just look at the thing on the right and make sure you have enough money for your excess.

Vulpes Fire · Jan 28, 2015

Before leaving station look at right screen. There is a spot that tells you your rebuy cost under your balance. Is credit balance more than insurance cost? Yes:fly on No:sell back that new module or take a hit selling back some of your cargo.

TShriker · Jan 28, 2015

Elriuhilu said:
Why are people even still talking about this? Just look at the thing on the right and make sure you have enough money for your excess.

What you /\ said.... so so simple, you only have an excuse to make that mistake once... after that it should be firmly imprinted on the brain!

Do these fools need their bums wiped for them in real life too?

Whiterose · Jan 28, 2015

Elriuhilu said:
Why are people even still talking about this? Just look at the thing on the right and make sure you have enough money for your excess.

aah, but that takes planning and Maths. We are unfortunately in the nanny state era, people want everything doing for them, and most whippersnappers nowadays couldnt do the Maths anyway. Fully agree, leave as is have some rep

TShriker · Jan 28, 2015

Whiterose said:
aah, but that takes planning and Maths. We are unfortunately in the nanny state era, people want everything doing for them, and most whippersnappers nowadays couldnt do the Maths anyway. Fully agree, leave as is have some rep

Wow, we are really in trouble if folk can't look at two figures and make sure the correct one is larger than the other! I do have a suggestion for such people... go watch Peppa Pig

Dr. Anomaly · Jan 28, 2015

Seriously, why wont Insurance discussions die already. Didn't check and got blown up. You wont do it twice now eh?

Zvanya · Jan 28, 2015

Lestat said:
I think the best idea is put a warning when you lack insurance before you launch. So it a easy fix. It also dose not dumb down the game more.

Agreed this is best idea. There is precedent for warnings.

rebelredneck · Jan 28, 2015

Best piece of advice is that IF YOU CANT AFFORD TO LOSE IT ... DONT FLY IT

Kalearne · Jan 28, 2015

I'd be interested in knowing;
1. How many players have lost ships. (Total players affected)
2. How many never played again.
3. How many tickets or threads on issue.
4. How many appear to have just carried on.

I think it's a bit of a storm in a teacup (and yes it's me saying that).
It's fine as it is. Learn to take some responsibility for your own gaming.