Should Insurance cost more, based on your equipment?
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should Insurance cost more?
- Thread starter Exgirlfriend
- Start date
- Watchers 2
No... Insurance money adds up a lot some nights, it all depends on the activites you forego. We need gold sinks but not this kind of a sink... Really things like the 11th Anniversary pack need to be for sale for IN GAME CURRENCY, but EA\Mythic would never do that. They would rather make the cold cash off of these kinds of things then let it act as a sink to the in-game economy... All of the uogamecodes really should be available for in-game gold.. At least as an alternative. Yowza sorry didn't mean to hi-jack your thread *sneaks out*
S
Sweeney
Guest
We haven't had a poll in almost a day...
What's this insurance you speak of?...la
To what end? I putter around with the low-end stuff a lot more than the average poster around here, so a single insurance hit already tends to wipe out a good chunk of my evening's profits. The people who rely on insurance tend to be the same people who aren't short of gold sinks already.
I thought that's what Luna was for?
M
Morgana LeFay (PoV)
Guest
Yes it should.
In fact...it shouldn't even exist.
K
Karthcove
Guest
/signed
Oh, this is going to be one of those threads, is it? 
Sure, why not?
And while the devs are at it, let's demand that they also lower the drop rate for the 10th anniversary items in the legacy dungeons.
And give the newbie items you get in New Haven lower durability so they wear out faster.
And don't forget that we want them to also decrease the amount of gold that drops in monster corpses.
And since so many of us seem to be lazy beyond belief, let's also exhort them to change loot drops so you only have to look at one or two items per corpse.
Yes......let's make the game less productive and lots more expensive for all those vets sitting on piles of gold!!!!!!!!!
And in another year, let's all sit here asking ourselves yet again why new and returning players don't stick around for long.
Honestly, some days I wonder if the people that post all these ideas to use up the gold in the game remember what it was like to start out with next to nothing. Yes, yes, I know all you people that played when the game was young went through that stage. But have you ever stopped to think about what it's like for the folks who came later and started playing with literally nothing while everyone around them lacked for nothing. Do you understand that this huge gap is what keeps the brokers and the dupers in business? Why oh why make it worse?
If your objective is to remove more gold from the game, wouldn't it make more sense to come up with new and improved gold sinks to appeal to the folks who have so much gold they can't even keep track of it anymore?
Yes.
Leave the player crafted stuff alone. Use something for artifacts similar to Artifact Rarity. Some arti/marties/rewards should cost thousands to insure.
Players should be rewarded for using player crafted stuff.
Leave the player crafted stuff alone. Use something for artifacts similar to Artifact Rarity. Some arti/marties/rewards should cost thousands to insure.
Players should be rewarded for using player crafted stuff.
M
Maggie
Guest
Should Insurance cost less for less nice items?
It pains me to see someone wearing insured items that imo are not worth 600 gp. Let alone the many multiples of that from the death they get from wearing such crappy items. Then also if they didnt spend all their gold on insurance maybe they could get some better armor.
I wouldnt mind insurance on my orny being more than the isurance on my bracelet of health. My nicer items help me so that I dont need as much insurance. I die far less. I don t know how they would track the value of items. Keeping tract by artifact rarity I don t think is a solid idea. Orny vs Bracelet of health. Same rarity.
It pains me to see someone wearing insured items that imo are not worth 600 gp. Let alone the many multiples of that from the death they get from wearing such crappy items. Then also if they didnt spend all their gold on insurance maybe they could get some better armor.
I wouldnt mind insurance on my orny being more than the isurance on my bracelet of health. My nicer items help me so that I dont need as much insurance. I die far less. I don t know how they would track the value of items. Keeping tract by artifact rarity I don t think is a solid idea. Orny vs Bracelet of health. Same rarity.
I said "something like Artifact Rarity." Something that's listed on the item. All of these scaling item insurance always get shot down because it's too hard to create a calculator to determine value. MR1 = ???, MR2 = ???, combination = ???. It gets too confusing. But artifacts/rewards always stay the same.
M
Morgana LeFay (PoV)
Guest
It can be.Oh, this is going to be one of those threads, is it?
Anyone that played UO ... pre UO:R ... understands that UO was not meant to be like WoW/Diablo 2.
Players these days take NO risk when out PvMing in Trammel. What, you might lose your bandies and potions?? Gods forbid!!!
Come on man! This game was about risk vs. reward! This whole insurance thing was a HUGE mistake, and it has broken the UO economy more than scripters!!
(Dupers still suck worse!)
M
Morgana LeFay (PoV)
Guest
M
Morgana LeFay (PoV)
Guest
I'm surprised you didn't give up trying to point this out to people by now.
It's like saying "television was a mistake". It may be true but you're never going to convince the world of that.
Most people can't see through the fact that TV is INCREDIBLY entertaining (which it is), just as most people can't see through the fact that insurance is INCREDIBLY convenient (which it is also).
I could make a lot more valid comparisons, but the jist of them all is that people, on the whole, don't know (or don't care) what's good for them.
Long term friendships, memories, lessons, life experiences, and all those other things that come from a world where nothing is safe or certain.. people tend to ignore these if they can satisfy their creature comforts in the here and now.
Most people just don't play UO as a "world" anymore, and those who do (or fondly remember when they did), are left with a bitter taste in their mouth, as they watch EA continue to pander to what unfortunately now constitutes the majority of the playerbase
M
Morgana LeFay (PoV)
Guest
thanks
but you see how it makes a lot of these U.Hall threads fairly useless though right?
Insurance is a system which can't be fixed, the only fix is to remove it. If bigger items cost more to insure then the PvP advantage to rich players would simply become bigger. The need for a steady and SERIOUS income for players who have absolutely no interest in any aspect of gameplay other than PvP, would become even greater.
The nescessity for PvPers to have multi million or in some cases even multi-BILLION gp equipment, is one of the main reasons behind all duping. Most of the biggest duping operations have been run by PvPers, or PvP guilds, and a great deal of the spoils used to kit out each of their members with lavish artifact/event item/top end runic suits. No surprise there really.
Bleh, can't be bothered to finish this post - None of this ranting is going anywhere, unfortunately!
M
Morgana LeFay (PoV)
Guest
B
Beefcake101
Guest
If anything, they need to drop the cost. There are still a lot of people that do not have millions of gold. Lot of people can not handle a lot of deaths a night. (average 6k gold insurance a death). Lot of times when i try to do prism of light, after the 3 other people with me die a few times they stop and complain that they can not afford the insurance anymore, then go bank sit. It gets to the poit to where i will pay for the insurance so they can come do a pearless with me. You will die a lot trying to beat a boss that you never seen before. I only did 2 pearless bosses. I want to see the others but a lot of people can not afford the cost of the insurance. 3 or 4 deaths are there max when i die at least 20 times trying to get keys in prism of light solo. I have been gone for over 4 years and want to see what these bosses have to offer.
C
Connor_Graham
Guest
I don't know about anyone else, but I got a letter from Sosaria Farms Insurance regarding my insurance rates. Seems they've lowered my insurance rate due to so many "accident" free months.
Ah well.....
Insurance should be like car insurance. The more accidents you are in, the more it costs you.
Here is what I would do:
First, the initial cost:
- Initial insurance cost for arties, marties, etc. would be 60,000 per item
- Initial insurance for crafted items would be based on the number of properties and their intensities; maxing out at 500K per item. (crafted items are usually unique, so they should cost much more to insure when they have 5 properties at 100% intensity).
Now, each time you die and use your insurance within a 40-hour window, the cost of your insurance doubles.
Here is what I would do:
First, the initial cost:
- Initial insurance cost for arties, marties, etc. would be 60,000 per item
- Initial insurance for crafted items would be based on the number of properties and their intensities; maxing out at 500K per item. (crafted items are usually unique, so they should cost much more to insure when they have 5 properties at 100% intensity).
Now, each time you die and use your insurance within a 40-hour window, the cost of your insurance doubles.
L
Lord Drakelord
Guest
no.
Basing insurance on the "worth" of an item is a bad idea, because the "worth" or "usefulness" of an item is subjective and is determined by the player's needs of the moment, and subject to change as people realize the relative use of different aspects of the game.
Notice how many things (Chivalry; Life Leach; Necromancy; Ninjitsu; slayer properties on a weapon) in this game have gone back and forth in terms of being considered useless relative to other things, to useful, to over-powered, to under-powered and therefore useless, and back and again. Sometimes the game changes and causes changes in how things are perceived. Sometimes, though, we the players just rethink how we play.
Further, such a measure would just hurt newer or poorer players. I can easily envision an event wherein a relatively poor player goes to an Ilshenar champ spawn, acquires, say, the Gladiator's Collar, and is unable to insure it because the cost is too high, only to be killed and looted by, say, a succubus. Many of us, on the other hand, will be able to insure pretty much any item we come across.
This thread is, of course, mere fodder for the "insurance sucks because I can't dry loot anymore" crowd.
With the current systems, dropping insurance does nothing except favor large, rich guilds who can easily replace items lost on the field by their members, and can monopolize the market for runic items. And losing items is tantamount to losing skills in the old system.
Changing current systems doesn't seem feasible at this point, and besides, the AoS system has enough virtues of its own. It's just different. It's really not anyone's fault that people never got used to a change in the game.
My worst fear is that, sooner or later, I and the few other outspoken Trammel player on these boards will grow weary of a constant fight over an issue that's long-been-settled, and that eventually this vocal, persistent, self-centered minority will appear to become the majority.
Honestly, I remember the devs at the time saying that the PvP community was basically responsible for AoS to begin with. You all liked the idea of player choices determining the outcome of things more. So they picked up the ball and ran with it, and created something that -SHOCK- you didn't like, though the germ of the idea came from -SHOCK- you.
Catering to you all really does nothing but **** off the majority of players, and it doesn't even appease you.
-Galen's player
PS: Not sure what that **** is about; I didn't use a bad word.
Notice how many things (Chivalry; Life Leach; Necromancy; Ninjitsu; slayer properties on a weapon) in this game have gone back and forth in terms of being considered useless relative to other things, to useful, to over-powered, to under-powered and therefore useless, and back and again. Sometimes the game changes and causes changes in how things are perceived. Sometimes, though, we the players just rethink how we play.
Further, such a measure would just hurt newer or poorer players. I can easily envision an event wherein a relatively poor player goes to an Ilshenar champ spawn, acquires, say, the Gladiator's Collar, and is unable to insure it because the cost is too high, only to be killed and looted by, say, a succubus. Many of us, on the other hand, will be able to insure pretty much any item we come across.
This thread is, of course, mere fodder for the "insurance sucks because I can't dry loot anymore" crowd.
With the current systems, dropping insurance does nothing except favor large, rich guilds who can easily replace items lost on the field by their members, and can monopolize the market for runic items. And losing items is tantamount to losing skills in the old system.
Changing current systems doesn't seem feasible at this point, and besides, the AoS system has enough virtues of its own. It's just different. It's really not anyone's fault that people never got used to a change in the game.
My worst fear is that, sooner or later, I and the few other outspoken Trammel player on these boards will grow weary of a constant fight over an issue that's long-been-settled, and that eventually this vocal, persistent, self-centered minority will appear to become the majority.
Honestly, I remember the devs at the time saying that the PvP community was basically responsible for AoS to begin with. You all liked the idea of player choices determining the outcome of things more. So they picked up the ball and ran with it, and created something that -SHOCK- you didn't like, though the germ of the idea came from -SHOCK- you.
Catering to you all really does nothing but **** off the majority of players, and it doesn't even appease you.
-Galen's player
PS: Not sure what that **** is about; I didn't use a bad word.
you think majority or simply the loudest? and it's probably more a matter of execs saying "this is what sells, do it"
G
GhostGL
Guest
Sure! Why not! how about 1mil per item. That'll be a nice little gold sink. really uh wtf?
L
Lord Drakelord
Guest
you just want to have the players run away from this game? I hope you were joking!
:loser:
Great so if they "X" Insurance CAN I HAVE YOUR STUFF? I mean really mind as well give it all away!!!! Oh and BTW when you are not insured please please wear all your expensive stuff and put all your rares in one bag. Thanks LMAO
L
Lore Master
Guest
No insurance should not cost more infact i feel it should cost less but i wont complain insurance is here to stay as it should. I am poor in UO in part to insurance loss but i love insurance so it is worth the insurance loss to me to keep insurance in UO as long as UO last.