Need Insurance Policies ??? yes ? Maybe

[Mike the Mongel]

Ok first off, I am over all satisfied with the current direction of the Patch, I have this feeling its another step in the right direction and expect some tweaks...so no biggie....BUT!!! for the Love of all that's Holy and Sacred let me take some of my PvE marks (since PvP marks are like a Unicorn  ) and Purchase a Insurance Policy on my ships...One Dura is fine I can work with that, but losing a ship and with how it can be a game changer for many we need to atleast have a compensation system (Insurance Policies) in-place so the pain is not so bad...maybe get 3/4s of the costs back or something....throw us a bone here DEVs 

Edited May 29, 2017 by Mike the Mongel

[Corona Lisa]

Thats boring. 

 

Ships up to frigates should be cheaper instead (materials and LH), so that a loss isnt a big deal. Losing big ships should always hurt.

[Sir Texas Sir]

2/3's  is a bit much but one thing I think you should get rewarded for you damage.  I can see not getting any marks unless you get Kills or assist, but a player should get rewared if anything xp for his damage. That way if some poor guy gets sunk he can still gain something back from the fight. It won't pay for every thing, but he gains something.  Right now the only way you get rewarded in any battle including port battles is you have to kill or assist in a kill.  Your going to have a lot of folks kill stealing (all ready see it) in both OW battles and Port Battles to get the rewards.  This type of reward system only brings out the worse in folks. 

 

The other thing as before you said your going to lower the cost of ship building so that folks can just easily buy a ship and be back out there.  Well your cost of building is not cheap.   Nore are the cannons.  The cost of production can be lower and that will lower the over all cost of things.

[Hethwill, the Red Duke]

XP aye. The character learns something.

( though cannot be quantified what he learned, as a human, in XP )

( gold no, you didn't win, even a draw isn't a win )

[Daguse]

yes, insurance that is covered with Admiralty marks. Can only cover up to a % of the total cost of the ship. 

Lets your ship cost 150K with cannons, you'll only get back about 60%, 90k. 

1 pve mark per 10k or 1 pvp per 20k. 

[Albert]

For sure what others have said which is to give any player in a battle XP and Gold for participating, especially if it's more for PvP participation is a great idea. Even PvE missions there is little incentive to do solo missions of a rank one above your current as most of the time the opposition AI are 2 ships with one at least the same class as your own ship. Who would risk losing their one decent ship in that battle? But if they got something a least for the effort, even if they ended up escaping and getting XP and Gold for the damage they managed to inflict to that point, then it's worth the risk. People learn by their mistakes, even if they don't completely die every time.

[Tenet]

Without insurance or a major increase in the rewards from Fighting, the fighting will decrease and Fighters will be subservient to Traders. 

[CaptVonGunn]

Hell just let us insure the bloody guns...ships are cheap in comparison

Edited June 1, 2017 by CaptVonGunn

[monk33y]

Instead of insurance for ships could we not add the ability to take a loan from national Capitals!  This loan adds money but has penalties.

For example you get a private state sponsored loan giving a player

250,000. This loan needs paying back over a period of 2 weeks. Intrest is 2.5% but while the loan is active the player cannot gain pvp or pve marks. The loan cannot be paid back faster. If a player fails to pay the loan back they receive a negative buff reducing exp by 50%, money earned by 50%, pve/pvp marks are not accessible for 2 weeks. Buildings cost 50% more etc.

This gives new players kick starting money but with restrictions.

@admin what do you think?!

Edited June 1, 2017 by monk33y

[ironhammer500]

4 minutes ago, monk33y said:

Instead of insurance for ships could we not add the ability to take a loan from national Capitals!  This loan adds money but has penalties.

For example you get a private state sponsored loan giving a player

250,000. This loan needs paying back over a period of 2 weeks. Intrest is 2.5% but while the loan is active the player cannot gain pvp or pve marks. The loan cannot be paid back faster. If a player fails to pay the loan back they receive a negative buff reducing exp by 50%, money earned by 50%, pve/pvp marks are not accessible for 1month. Buildings cost 50% more etc.

This gives new players kick starting money but with restrictions.

@admin what do you think?!

1 month is a bit harsh, might as well ban them from the game for a month. Maybe a few hours but nothing extreme.

[monk33y]

 2 weeks then

 

[ironhammer500]

4 minutes ago, monk33y said:

 2 weeks then

 

I dont think u understand 2 weeks real life? Still like being banned from the game what would be the point of logging in...

[Wigermo]

28 minutes ago, monk33y said:

Instead of insurance for ships could we not add the ability to take a loan from national Capitals!  This loan adds money but has penalties.

For example you get a private state sponsored loan giving a player

250,000. This loan needs paying back over a period of 2 weeks. Intrest is 2.5% but while the loan is active the player cannot gain pvp or pve marks. The loan cannot be paid back faster. If a player fails to pay the loan back they receive a negative buff reducing exp by 50%, money earned by 50%, pve/pvp marks are not accessible for 2 weeks. Buildings cost 50% more etc.

This gives new players kick starting money but with restrictions.

@admin what do you think?!

Latest news from the west indies just in: The national banks have declared bankruptcy after outrageous amounts of loans given to alts, All national forts are now no longer maintained and all commerce/production of the americas have been brought to a halt/foreclosures

[monk33y]

The whole point is to stop people taking money and not repaying it! With 250k that's cannons on a indy and you make 40k per mission. So not hard to pay bk!!

Christ! Instead of money you get loaned cannons with a value. That value Is then paid back over time!

Edited June 1, 2017 by monk33y

[CaptVonGunn]

1 hour ago, monk33y said:

Instead of insurance for ships could we not add the ability to take a loan from national Capitals!  This loan adds money but has penalties.

For example you get a private state sponsored loan giving a player

250,000. This loan needs paying back over a period of 2 weeks. Intrest is 2.5% but while the loan is active the player cannot gain pvp or pve marks. The loan cannot be paid back faster. If a player fails to pay the loan back they receive a negative buff reducing exp by 50%, money earned by 50%, pve/pvp marks are not accessible for 2 weeks. Buildings cost 50% more etc.

This gives new players kick starting money but with restrictions.

@admin what do you think?!

No still gsin Marks but just have the pay back automatic... 25% of all income goes to the loan till paid off .

[monk33y]

It's ment to be a trade off. Want money use loan but you can't gain pvp or pve marks...! Players need to get over this I want it all now for free attitude! 

[ironhammer500]

50 minutes ago, monk33y said:

It's ment to be a trade off. Want money use loan but you can't gain pvp or pve marks...! Players need to get over this I want it all now for free attitude! 

You need to get over this i want this game so hard its a 2nd job and that i must spend the next year in a cutter....also i must grind my face across the keyboard to make gold. The trade off could be it costs marks to get the insurance on that ship the cost goes up with the ship rate. Ofc 200 Marks for a 4-5th rate will not even be worth the effort.

[monk33y]

I don't know how easy I can make this WITH CANNONS ON A INDY DOING MISSIONS YOUR MONEY ISSUES ARE OVER! 

The initial grind is hard but on the flip side you shouldn't start the game with a victory in your pocket!!

[ironhammer500]

3 hours ago, monk33y said:

I don't know how easy I can make this WITH CANNONS ON A INDY DOING MISSIONS YOUR MONEY ISSUES ARE OVER! 

The initial grind is hard but on the flip side you shouldn't start the game with a victory in your pocket!!

But you was handed an indi and you go on about it all being spoon fed to you, yet you use the item that was spoon fed, if u really wanted it hard u would start fresh with nothing.

Edited June 2, 2017 by ironhammer500

[monk33y]

Myself like others have clocked up over 500+ hrs on game! 

I remember when open world was added! 

In a cutter I can make 25k + an hour easy!

Edited June 2, 2017 by monk33y

[ironhammer500]

10 minutes ago, monk33y said:

Myself like others have clocked up over 500+ hrs on game! 

I remember when open world was added! 

In a cutter I can make 25k + an hour easy!

For you the game is easy, for a new player this game will be insanely hard to the point they might quit from being to hard...no new players = no new pop to help build the game, low pop or more people leaving them coming in = game slowly go back to pre wipe numbers.

Hence why i said start fresh and pretend like u only just started not 500+ hours.

[monk33y]

I won't pretend when I started it was also hard. I had no idea what to do. Used to just run missions outside of kpr (yeah I know even this dirty black SORRY pirate started off in GB).

The best advise I have is join a clan, size doesn't matter. I used to belong to aus, we used to grind au fleets outside of bensalam! 

Learn your craft while making friends. This game has always been against the single player!! 

[ironhammer500]

53 minutes ago, Hodo said:

In the Tattered Flags Teamspeak last night we were talking to a new player, he started 5 days ago.  

In that time he has already made over 500k, managed to outfit a Niagara with long guns and is running trade runs to make money hand over fist.    And he started with nothing BUT a Basic Cutter at Midshipman.  He is a Mast Commadant in the US and is doing quite well for a noob.   

Hell he has made more money than me, and I am a vet.  

 

On my way down  to the front lines last night, transporting my Navy Brig I captured 4 NPC ships, making over 50k without selling the goods.  Money is not an issue.

But not everyone does well, we also had a new player join, he understands naval combat but he said he wasted 100k gold worth of stuff before he got some idea of how to play, he also said it sucks a lot to keep losing ships constantly, while making money.

Also something tells me hes also not a new player, he instantly went for trade, new players do not go for trade as the first thing they are introduced to is combat and hitting trade ships.

[monk33y]

I don't mean to come across like a dick (have a field day with that one mod!) but  YouTube is a new advice giving tool!!!

If you are unable to pick up ANY games basics without only using YouTube, you need to have a long hard look at yourself!! 

I only get to now play 2-3 days a week. Had over 100k and ships but donated it to guild after the great storm adminous struck sorry. 

Money's easy in naval action, learning how to manual sail is harder, learning how to maximise your time effectively that's the hardest!