Naval insurance comes to the Caribbean

[Liq]

On 9/25/2018 at 10:09 AM, admin said:

crafted ships will be come with navy insurance. 

Insurance at base price (ship material cost + small %) will be automatically paid out if you ship sinks in a battle

So basically endless durability with a little extra cost?

Shouldn't ship crafting then technically "die" as ships never sink 100%?

[Hethwill, the Red Duke]

Is it the ship OR the base price in coin ?

 

[HachiRoku]

6 minutes ago, Liq said:

So basically endless durability with a little extra cost?

Shouldn't ship crafting then technically "die" as ships never sink 100%?

I thought it was gold we get and not a ship. It must be gold.

[jodgi]

9 minutes ago, Liq said:

Shouldn't ship crafting then technically "die" as ships never sink 100%

If it makes people less timid it should probably boost crafting. If you craft fir/oak/sabi/cag ships you'll probably pretty much break even when you sink. Guns on top is one thing but people tend to go crazy with uninsurable mods and woods which won't be covered fully, not even close is my bet.

For every sunk ship  there will be resource extraction, hauling, gun crafting and mod shenanigans.

[Sir Malachy Karrde]

8 hours ago, jodgi said:

If it makes people less timid it should probably boost crafting. If you craft fir/oak/sabi/cag ships you'll probably pretty much break even when you sink. Guns on top is one thing but people tend to go crazy with uninsurable mods and woods which won't be covered fully, not even close is my bet.

For every sunk ship  there will be resource extraction, hauling, gun crafting and mod shenanigans.

Mahogany/sabicu can go toe to toe with teak/wo and at least hold its own, usually win lol and it really makes people mad when they gank you:p

Edited September 29, 2018 by Sir Malachy Karrde

[Barbancourt]

40 minutes ago, Sir Malachy Karrde said:

Mahogany/sabicu can go toe to toe with teak/wo and at least hold its own, usually win lol and it really makes people mad when they gank you:p

Do tell?  I'm interested

[jodgi]

6 hours ago, Sir Malachy Karrde said:

Mahogany/sabicu can go toe to toe with teak/wo and at least hold its own, usually win lol and it really makes people mad when they gank you:p

Sure, if they choose to stay and don't leave your slow ass in the dust err... wake.

If you win against a gank it's mostly a tale about their lack of training or extremely poor build choices.

I agree that the cheap woods are perfectly fine for fighting. You give up the chance to take initiative, though. I've used a few sabicu ships in the patrol zone. Few people seem to accept a 1on1 even in the zone. With "shitty" woods you have to get used to watching people's stern decorations.

[Sir Malachy Karrde]

6 hours ago, jodgi said:

Sure, if they choose to stay and don't leave your slow ass in the dust err... wake.

If you win against a gank it's mostly a tale about their lack of training or extremely poor build choices.

I agree that the cheap woods are perfectly fine for fighting. You give up the chance to take initiative, though. I've used a few sabicu ships in the patrol zone. Few people seem to accept a 1on1 even in the zone. With "shitty" woods you have to get used to watching people's stern decorations.

With the pay to win ships, watching people run is a given. For a cheap ship that has good combat abilities, mahogany with sabicu trim is comparable to a cross between teak white oak  and teak teak in handling and general durability. It's also not as slow as you'd think. Most of my mahogany sabicu ships are in the 13.5 plus knot range, couple of them exceed 14, after mods and skills of course. If I want to chase someone down, I'll use a fir/teak or Bermuda/teak ship. I usually have a couple fast raiders, but for general fighting, I prefer 4th rates and 3rd rates, neither of which are known as particularly fast anyhow post the sailing changes

[Sir Malachy Karrde]

12 hours ago, Barbancourt said:

Do tell?  I'm interested

If they manage to take your ship, the disappointment is palpable as they realize they weren't up against anything special. That wood combo has always been a favorite of mine as it's very versatile and extremely expendable. I've got 5 or 6 bellonas of that build that average 12.2 to 12.5 knots with repairs loaded. And about 10 connies and 3 or 4 large 5th rates of that build now. 

[jodgi]

5 minutes ago, Sir Malachy Karrde said:

mahogany with sabicu trim is comparable to a cross between teak white oak  and teak teak in handling and general durability. 

Had to look it up, you're right, they're pretty darn close. Except for thickness, you sacrice a bit of thickness. Minus 4 thickness may not mean much in frigateland... Hmm... good find, I might start using mahog/sab.

[Sir Malachy Karrde]

4 hours ago, jodgi said:

Had to look it up, you're right, they're pretty darn close. Except for thickness, you sacrice a bit of thickness. Minus 4 thickness may not mean much in frigateland... Hmm... good find, I might start using mahog/sab.

Thickness isn't as important as it used to be for frigates. And I believe there are are crew/fire resistance bonuses with mahogany too if I remember correctly. The way I fight a frigate or even 3rd or 4thrate, I rely on angling to bounce shots from the hull, rather than thickness.

using wood combinations like that you will get virtually full insurance recompense for losing a ship, rather than maybe 10 percent from using the popular woods.

Edited September 29, 2018 by Sir Malachy Karrde

[Lovec1990]

8 hours ago, Sir Malachy Karrde said:

Thickness isn't as important as it used to be for frigates. And I believe there are are crew/fire resistance bonuses with mahogany too if I remember correctly. The way I fight a frigate or even 3rd or 4thrate, I rely on angling to bounce shots from the hull, rather than thickness.

using wood combinations like that you will get virtually full insurance recompense for losing a ship, rather than maybe 10 percent from using the popular woods.

only wood that could give you full insurance recompese this is oak

[Sir Malachy Karrde]

3 minutes ago, Lovec1990 said:

only wood that could give you full insurance recompese this is oak

I said virtually.... and mahogany etc aren't much more expensive than oak. The insurance should cover most of that cost if they go by the npc vendor prices. It's also really easy to find mahogany and sabicu and a few other woods at cost rather than pay gouging prices for them as compared to teak and white oak and live oak for example.

Edited September 30, 2018 by Sir Malachy Karrde

[Lovec1990]

On 9/30/2018 at 8:45 AM, Sir Malachy Karrde said:

I said virtually.... and mahogany etc aren't much more expensive than oak. The insurance should cover most of that cost if they go by the npc vendor prices. It's also really easy to find mahogany and sabicu and a few other woods at cost rather than pay gouging prices for them as compared to teak and white oak and live oak for example.

well as way i understood @admin you getting gold for your mats at NPC or harvest cost plus small % of bonus so if you have acess to teak logs at NPC/harvest price there is no reason your next ship cannot be teak/teak again becouse insurance will cover mats

Edited October 2, 2018 by Lovec1990

[Sir Malachy Karrde]

9 hours ago, Lovec1990 said:

well as way i understood @admin you getting gold for your mats at NPC or harvest cost plus small % of bonus so if you have acess to teak logs at NPC/harvest price there is no reason your next ship cannot be teak/teak again becouse insurance will cover mats

The issue is that players speculate and buy up all the teak (not sure if euro trader works or not). In any case they then resell it for several thousand percent markup which I'm pretty sure the insurance won't cover. If you use teak or white oak, that material alone sometimes costs 3 to 10 times what all the other materials cost combined. The developers need to cap markups and control their economy a bit better. 

Edited October 2, 2018 by Sir Malachy Karrde

[Sir Malachy Karrde]

3 hours ago, Coraline Vodka said:

EU trader only works for craftable resources, oak, fir iron coal etc

Thought as much 

[Kilo60]

On 9/25/2018 at 4:58 AM, AeRoTR said:

It is a good way to keep causals/new players somewhat happy. 

I do not care if somebody loses elite refit or naval clock. Guys to fit these mods are already aware of what can happen. 

Ditto!!!!

[admin]

Naval Insurance is confirmed. 

All crafted ships if lost in battle will be compensated by the admiralty at base cost or resources excluding doubloons. 
Do not give up the ships!

 

How it will work. If you enter a battle on a crafted ship - and sink in it - cost of the vessel will be returned to you with no insurance charges. If your ship is captured or taken over - you will not receive an insurance payout. 

[OjK]

13 minutes ago, admin said:

Naval Insurance is confirmed. 

All crafted ships if lost in battle will be compensated by the admiralty at base cost or resources excluding doubloons. 
Do not give up the ships!

 

How it will work. If you enter a battle on a crafted ship - and sink in it - cost of the vessel will be returned to you with no insurance charges. If your ship is captured or taken over - you will not receive an insurance payout. 

We're talking about cost, right? Just refund of the money/resources?
So upgrades are lost, I get it, but does it take into account the quality of the ship? (golden, purple, etc?)

I mean will the insurance include the rarity of the ship?

Edited October 30, 2018 by OjK

[SnovaZdorowa]

20 minutes ago, admin said:

How it will work. If you enter a battle on a crafted ship - and sink in it - cost of the vessel will be returned to you with no insurance charges. If your ship is captured or taken over - you will not receive an insurance payout. 

Calculation based on:

resource craft price
e-trade price
market price (for rare teak/lo/wo) ???

[OjK]

8 minutes ago, Intrepido said:

Right now (and I doubt it will change (2 years experience on this)):
Price upgrades>>>>>>>>>>>>> price ship

With LO/WO bought for even 500 per log, the cost of L'Ocean is barely 1,2M.

That's the price Cartagena on the market. Only.

Edited October 30, 2018 by OjK

[Njord]

1 hour ago, admin said:

Naval Insurance is confirmed. 

I hope pirates don't get insurance in the future but another perk as tradeoff. I know it is only a game and all but I really wish pirates were something special, unique and a bit hardmode. Insured pirate ships seems rather silly at least... 

[Bodye]

nice, finally something to support pvp. mods shoudnt be part of refund, but guns and repairs would be nice, also refunding base price for teak/wo/lo is joke.

Edited October 30, 2018 by Bodye

[Angus MacDuff]

11 hours ago, Bodye said:

nice, finally something to support pvp. mods shoudnt be part of refund, but guns and repairs would be nice, also refunding base price for teak/wo/lo is joke.

I think the recurring theme here is that there are many vets who don't believe that insurance will cover the loss of their expensive Mats or high end mods.  So what?  All vets have plenty of money and don't need replacement costs.  This is for newer players who have real issues with funding.  Vets can just jump in the next ship in their dock, do a quick trade run, or go to their clan warehouse.

[Raf Van Boom]

When and if mods are rebalanced so that stacking is not possible and they only offer a very minor boost they will stop being an issue. Until then the mods are 99.999% of ship costs, that said, this insurance may help new players some.