"So, are you in good hands….."

A commenter on my post about the Orca and it’s recent increase in use as a gang operations platform for suicide ganks brought up the fact that T2 insurance is very lacking (http://www.eve-druid.com/2008/12/03/yep-i-called-it/#comment-662).
Auger

In real life, you only die once, and this changes the weight of the risks. Also, in real life, Police CAN kill murderer’s even more readily than someone without a criminal history, if they acting to protect from death or grievous bodily injury. I don’t think it’s an exploit. I think it wasn’t considered by CCP. Making T2 insurance payouts better will completely change PVP, and not in a good way, IMO. I also believe that you’re undervaluing the weight of the “fun” factor of the pro’s. Many of these people play to blow things up. Other people’s things. You can’t say that losing(just one “o” Ga’len, I’m sorry, but it had to be said, I still love your website) an insured T1 ship comes close to a real loss compared to taking out T2’s. If I could change anything, it would be to make the Orca pilot take a security hit for being an accessory, though there is no easy way to track that.

I had a thought a few weeks ago about a cool way to get ships insured and at the same time, create another game mechanic that makes being in a player corp more enticing and this recent comment as well as discussions with my corp mates last night about various issues has inspired me to share the idea with all of you.

Many corporations provide insurance for their corp members by paying for the insurance using the corp wallet.  My idea is a variation on that concept.  Corporate insurance for the ship and the modules with no expiration on the insurance. Yeah, sounds a bit crazy, but let me outline the whole concept and then tell me what you think.

The idea is to add another wallet to the corporation that is solely used for insuring ships.   A director could take a fitted ship, insure it for the full purchase price of the ship and fittings.  The amount of the paid insurance would be a percentage of the actual purchase price of that ship and modules at say, 65 percent.   The money needed to insure the ship would then be removed from that wallet.

Once a ship is corp insured, it effectively becomes a corporate asset.  If a pilot wishes to change out some of the modules once it’s insured, they would be able to do so and pay for the change in value on the insurance without having to have a director insure it again.  If the change in fittings results in less insurance being needed, the extra isk would be returned to the corp insurance wallet.  So, once a ship is corp insured, it’s always corp insured.  No need for additional administrative work by the directors.

If the ship and/or modules were not purchased, they were manufactured or acquired by other means (traded to a player, acquired as a ransom, etc…), the value would be set by the current market average price in the region where the ship was being insured.  Faction items would be given a value equal to that of a T2 version of that item plus 20 percent.

If the ship is destroyed, the isk for the insurance would be returned to the main corp wallet with an earmark that it’s an insurance payout for the lost ship and fittings.  If a person leaves the corp with any corp insured ships, the insurance is voided and the money is returned to the insurance wallet as well.

Some items to note with this concept.

  • Full insurance for your ships and modules, both Tech 1 AND Tech 2 as well as Tech 3 when it comes out.
  • No expiration on the insurance.
  • Additional justification for corp tax in game.
  • Such a system would provide players an additional incentive to join a player runs corporations.
  • Due to the large price range on faction items, it will always be hard to get a “proper” value for said items.  This  not really a problem as I see it, but something that helps maintain the risk for using faction items.
  • Restricting the value for non purchased items to the region in which they are being insured can open up another avenue for business for all those hauler pilots out there to move ships around for people to get insured.
  • As with all insurance systems, there always ways for people to abuse the system.
  • Corporations will be under pressure to maintain enough income to provide for the insurance wallet.
  • The payout to insure the ship is more expensive, but I believe that is a balancing factor due to the insurance not having a time expiration.

So, there you have it.  What do you all think?

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~ by J. Riley Castine on December 17, 2008.

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