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training:game_mechanics:insurance
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training:game_mechanics:insurance [2017/02/14 13:22] conscript [Overview] |
training:game_mechanics:insurance [2019/12/10 04:58] (current) Nesomir [Should you insure your ship?] |
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| Firstly; you do not get a refund for any of the lost modules, cargo or drones. Secondly; the formula for calculating reimbursement fee is: | Firstly; you do not get a refund for any of the lost modules, cargo or drones. Secondly; the formula for calculating reimbursement fee is: | ||
| - | <WRAP center round info 60%> | + | <WRAP center round box 60%> |
| (CCP's estimated value of the ship) * (percentage of insurance coverage) * (ship type multiplier) | (CCP's estimated value of the ship) * (percentage of insurance coverage) * (ship type multiplier) | ||
| </WRAP> | </WRAP> | ||
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| The only known value in the above formula is the percentage of insurance coverage. The other two values are kept secret in order to reduce possible exploits. CCP’s estimated value of the ship is based on average values of materials used in the building of ships. Upon inspecting insurance payouts for several different ships it is evident that this value is lower than average market value of the ship (and of course, it has to be lower to prevent insurance frauds). Ship type multiplier maximum value is 1. It is usually 1 for beginner type ships and can be drastically reduced for more advanced ships. For example; in the time of writing this article, the average market values for a couple of ships and 100 % insurance payouts were: | The only known value in the above formula is the percentage of insurance coverage. The other two values are kept secret in order to reduce possible exploits. CCP’s estimated value of the ship is based on average values of materials used in the building of ships. Upon inspecting insurance payouts for several different ships it is evident that this value is lower than average market value of the ship (and of course, it has to be lower to prevent insurance frauds). Ship type multiplier maximum value is 1. It is usually 1 for beginner type ships and can be drastically reduced for more advanced ships. For example; in the time of writing this article, the average market values for a couple of ships and 100 % insurance payouts were: | ||
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| |Retriever|25.500.000|5.714.000| | |Retriever|25.500.000|5.714.000| | ||
| - | =====Should you insure your ship?===== | + | ===== Should you insure your ship? ===== |
| - | <WRAP center round important 60%> | + | |
| - | **ALWAYS** Insure your ship unless it's T2, then it's debatable | + | <WRAP center round important 60%> **ALWAYS** Insure your ship unless it's T2, then it's debatable </WRAP> |
| - | </WRAP> | + | |
| If you expect your ship will be almost certainly lost in the near future, definitely insure your ship (platinum insurance). In other cases insuring your ship requires some thought. Let us analyze the example of rupture insurance: | If you expect your ship will be almost certainly lost in the near future, definitely insure your ship (platinum insurance). In other cases insuring your ship requires some thought. Let us analyze the example of rupture insurance: | ||
| - | ^Insurance Type^Cost^Payout^Profit^# Of Extensions That Ensure Profit^ | + | ^Insurance Type^ ^Cost^Payout^Profit^# Of Extensions That Ensure Profit| |
| |Uninsured|40%|0|2.848.093,20|2.848.093,20|unlimited| | |Uninsured|40%|0|2.848.093,20|2.848.093,20|unlimited| | ||
| |Basic|50%|356.011,65|3.560.116,50|3.204.104,85|9| | |Basic|50%|356.011,65|3.560.116,50|3.204.104,85|9| | ||
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| We can conclude that if you need to reinvest in platinum insurance for more than 2 times (that is you do not lose your ship in more than 24 weeks), you are at a loss. In that aspect it is safer to invest in basic or standard insurance. Once you progress in your career you will probably own more than 10 or even a 100 or more ships. Insuring them all is probably not the best idea unless you are popping them daily. But in the early game, insurance may lighten the shock after losing your first ship, although even uninsured ships payout 40 %, which is not that big a difference from basic insurance (although you still get more profit by paying for basic insurance if your ship is lost). | We can conclude that if you need to reinvest in platinum insurance for more than 2 times (that is you do not lose your ship in more than 24 weeks), you are at a loss. In that aspect it is safer to invest in basic or standard insurance. Once you progress in your career you will probably own more than 10 or even a 100 or more ships. Insuring them all is probably not the best idea unless you are popping them daily. But in the early game, insurance may lighten the shock after losing your first ship, although even uninsured ships payout 40 %, which is not that big a difference from basic insurance (although you still get more profit by paying for basic insurance if your ship is lost). | ||
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training/game_mechanics/insurance.1487078578.txt.gz · Last modified: 2017/02/14 13:22 by conscript