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Unread 1 Nov 2010, 11:22   #1
MadwoG
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Planet Insurance

Well Why not i say....

i was discussing this as a joke with a friend of mine.. and as a joke.. it turned into somewhat of a legitimate idea.

Why not have Insurance.. A new minister per Galaxy.. "Minister of Insurance"
This will regulate Insurance for the Galaxy.
So the basic concept..
Everyone can take out a Policy.

Two basic Covers

Fleet Loss Cover
Asteroid Loss Cover

of course these start off as a simple tick by tick installment.
and say the unfortunate day comes and you lose some ships or asteroids.
you can claim.. pay a premium.. and get your ships or asteroids back. returned within the tick.
this then in turn will increase your tick premiums etc.

Of course.. if you have incommings. and you havent gotten a policy out yet. You pay a 150% desperation joining fee. etc.
or you as normal policy's will alow 24ticks before your coverage starts.

i reackon this will gain the amount of roids in the universe aswell as bump up the average round value/score making for a more interesting round.


- ma****
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Unread 1 Nov 2010, 11:27   #2
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Re: Planet Insurance

:-|
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Unread 1 Nov 2010, 11:51   #3
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Re: Planet Insurance

will this not be abused at all?
like,
someone farms you and then you get most of your stuff back.
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Unread 1 Nov 2010, 12:07   #4
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Re: Planet Insurance

It would make attacks almost impossible to land as well because there was no "attack insurance", so if a defender wants to stay home to kill you they can and then simply rebuild there stuff out of salvage?
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Unread 1 Nov 2010, 12:08   #5
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Re: Planet Insurance

thats easy to stop it being abused. just treat it like an insurance company would. incorporate a 'no claim bonus' in..
put a claim charge in like (pay upfront 10% of the claim in resources)
then drop put up the rates of the person who made a claim. and increase it with every claim.. and for so many ticks of not making a claim they earn a no claim bonus which can be capped at like 60%. and their tick payments can be dropped progressivley as they dont make a claim. etc

you think insurance company's dont know how to make $$.. if everyone abused an insurance company they would go broke. :P
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Unread 1 Nov 2010, 12:10   #6
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Re: Planet Insurance

Quote:
Originally Posted by ReligFree View Post
It would make attacks almost impossible to land as well because there was no "attack insurance", so if a defender wants to stay home to kill you they can and then simply rebuild there stuff out of salvage?
could make it so they forfiet salvage if they want to make a claim.

im just saying that there is heaps of possibilities to this idea and everyone of these can be explored to make the game more interesting.
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Unread 1 Nov 2010, 12:12   #7
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Re: Planet Insurance

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Originally Posted by ReligFree View Post
It would make attacks almost impossible to land as well because there was no "attack insurance", so if a defender wants to stay home to kill you they can and then simply rebuild there stuff out of salvage?
that comes under fleet loss cover. basically.. so if you crash cause you were out at the pub on the piss and didnt get home in time to check your attack. (like i've been known to do) then you would be able to just call it a bad joke, claim it on insurance, and try not to crash again.
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Unread 1 Nov 2010, 12:33   #8
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Re: Planet Insurance

Appoco brings in Planet Insurance, Asc rorts the Planet Insurance System, just like the greedy american fascists did on our own planet....

Hey presto, r39 Universal Financial Crisis, or as I like to call it, UFC for short.

Ma****, what happens when someone you know steals your fleet (they get to keep the stereo!) in order to escape paying the Insurance Policy?
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Unread 1 Nov 2010, 13:12   #9
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Re: Planet Insurance

Why are the last 4 letters of ma**** censored? It's not even in urbandict!

P.S. This is a terrible idea.
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Unread 1 Nov 2010, 22:41   #10
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Re: Planet Insurance

I think we are all agreed that this idea is phenomenally shit.

Why don't we make PA even better by letting players buy ships on layaway, or using a bank loan reverse mortgaged against their asteroids? Alliances could set up their own banks and offer fixed term investments and other CDO style products.

**** it, you know what, why don't we just make PA exactly like real life? That'd be super fun.
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