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== Core mechanics == | == Core mechanics == | ||
Insurance can only be taken out at a station or [[Upwell structures|player-owned structure]] with relevant services. To insure a ship, either: | Insurance can only be taken out at a station or [[Upwell structures|player-owned structure]] with relevant services. To insure a ship, either: | ||
* Right-click its hull and select 'Insure' from the drop-down menu | * Right-click its hull and select 'Insure' from the drop-down menu | ||
* Open the insurance interface from the station services window, which defaults to the right-hand side of the screen when you are docked up | * Open the insurance interface from the station services window, which defaults to the right-hand side of the screen when you are docked up | ||
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* Repackage your ship | * Repackage your ship | ||
* Trade your ship to another player | * Trade your ship to another player | ||
* Sell your ship on the market | * Sell your ship on the market | ||
* Put your ship inside a contract | * Put your ship inside a contract | ||
* Are destroyed by CONCORD in [[highsec]] (an important financial factor in the calculations involved in [[ | * Put your ship into a corporation hangar | ||
* Are destroyed by CONCORD in [[highsec]] (an important financial factor in the calculations involved in [[suicide ganking]]). | |||
== Reimbursement calculation == | == Reimbursement calculation == | ||
The formula for calculating the reimbursement fee is: | The formula for calculating the reimbursement fee is: | ||
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The only value in the above formula known to players is the percentage of insurance coverage. The other two values are kept secret to reduce possible exploits. | The only value in the above formula known to players is the percentage of insurance coverage. The other two values are kept secret to reduce possible exploits. | ||
[[CCP]] | [[CCP]]'s estimated value of the ship is based on the average values of materials used in the building of the hull. Inspecting insurance payouts for several different ships reveals that this value is lower than the average market value of the ship. This prevents insurance fraud. | ||
For example, at the time of writing this article, the average market values for a couple of ships and 100% insurance payouts were: | For example, at the time of writing this article, the average market values for a couple of ships and 100% insurance payouts were: | ||
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== Should you insure your ship? == | == Should you insure your ship? == | ||
New players should consider insuring every ship: a new player can lose a ship from a single ill-informed decision such as tangling accidentally with Triglavian NPCs, meeting diamond rats without knowing what they are, or simply using autopilot to move a ship carrying valuable cargo, but any ship available to a new player will insure well, protecting them from major setbacks. | New players should consider insuring every ship: a new player can lose a ship from a single ill-informed decision such as tangling accidentally with Triglavian NPCs, meeting diamond rats without knowing what they are, or simply using autopilot to move a ship carrying valuable cargo, but any ship available to a new player will insure well, protecting them from major setbacks. | ||
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We can conclude that if you need to reinvest in Platinum insurance more than twice (that is if you do not lose your ship in more than 24 weeks), you will have lost money. It might be safer to invest in basic or standard insurance if you don't expect to take this Rupture into dangerous situations. | We can conclude that if you need to reinvest in Platinum insurance more than twice (that is if you do not lose your ship in more than 24 weeks), you will have lost money. It might be safer to invest in basic or standard insurance if you don't expect to take this Rupture into dangerous situations. | ||
Once you progress in your [[Careers| | Once you progress in your [[Careers|career]], you will probably own tens and then hundreds of ships. Insuring every one is probably not the best idea. For instance, ships that you intend to use in well-understood, controlled [[PvE]] contexts, which you know and have experienced before, might not need insurance. For some expensively-fit T2 or T3 ships, the insurance payout might be so desultory compared both to the financial loss when the ship blows up and, more cheerily, your income, that wasting time insuring them is a pointless hassle. Nevertheless, it will remain wise to take out Platinum insurance on cheap T1 ships which you are undocking for risky PvP. | ||
== External links == | |||
* CCP support: [https://support.eveonline.com/hc/en-us/articles/212726885-Insurance Insurance] | |||
[[Category:Ships]] | [[Category:Ships]] | ||
[[Category:Game mechanics]] | [[Category:Game mechanics]] | ||