ARE YOU INSURED? | Guide to Insurance and Warranty | Star Citizen 1.0 Preview

[@CitizenScott]

Nice to see CIG taking notes from IRL insurance and making their own system just as convoluted. Great fidelity. So immersive.

[@UniversityofStanton]

@@CitizenScott lmao

[@xMajorZachx]

Thank you for taking a No BS approach and only telling us what has been communicated to us so far by CIG. While I really don't like custom components being replaced, as that can affect crafting and potential duping, I'm ready for the next chapter of this game!

[@CitizenScott]

I'm sure CIG has a plan to prevent those issues, and that they will execute it perfectly... right?

[@hurrikayne907jr]

If only I had the money to go to the University Of Stanton 😢

[@VFW-Mayer]

With LTI, I expect my Tier 2 Insurance Upgrade to be less than someone who has no LTI or Insurance period. Tier 1 = Most Expensive as it is the ships hull and systems. Tier 2 = Much Less, Only for Systems, maybe 10% of the Tier 1 cost. Tier 3 = Still far less than Tier 1 as Tier 1 covers THE SHIPS HULL AND CORE SYSTEMS. Maybe 10%. I have no insurance. I purchase Tier 1 Insurance = 100,000 Total I have no insurance. I purchase Tier 2 Insurance = 110,000 Total I have no insurance. I purchase Tier 3 Insurance = 120,000 Total I have LTI. I have 100,000 Credit for T1. I have LTI. I purchase Tier 2 Insurance for 10,000 Ontop of T1 LTI I have LTI. I purchase TIer 3 Insurance for an additional 10,000 Ontop of T2 10,000 + T1 LTI. Total Cost for Tier 2 Insurance with LTI = 10,000 Total Cost for Tier 3 Insurance with LTI = 20,000 LTI Covers the Initial Tier 1 Insurance of 100,000 So my tier 2 insurance is only 10,000 More. LTI Covers the Initial Tier 1 Insurance, So my Tier 3 Insurance only cost an additional 20,000 More. People with LTI will not be charged for the Tier 1 Price of insurance. Only the Upgrade Costs of Tier 2, and Tier 3 if those are chosen and paid for.

[@alasdairhutchinson398]

They said in the base building section that the tools you can use to decorate your base will also work in your ship, so you will be able to do some major interior decorating once those tools are created.

[@ScotsIrish]

One more small nuance: the amount of money you get paid for a replacement ship is supposed to be prorated based on the wear/age of the ship, unless you have a warranty at which point you always get the a new ship (not credits)

[@UniversityofStanton]

Right, I do remember that from the presentation. I chose not to address it because what wear/age even means at this point is kind of in "imagination land" and might be based on the future of engineering, wear, and what a "destroyed" ship actually means. Since they didn't address wear as a system at all this year, it doesn't do much good to speculate - it's a bridge we'll have to cross when we come to it.

[@jvoodoochild2755]

@@UniversityofStantonExcellent video. Thank you for the content Depreciation, I think is important to share with the community to aid them in making informed decisions Yes CIG could base depreciation on anything, but whatever it is it will be less. So without a warranty players will have spend time to replace there vehicle but also spend time covering the depreciated payout

[@asiftalpur3758]

intro animation is so crisp

[@Saf_Ibn_Sayyad_Bacon]

@@asiftalpur3758 its sooo smooth like a TV show

[@Robisme]

With this new system, I think I would have been ok with just 6 LTI ships. Prospector and Vulture is a must.

[@xSHADEx117]

By JCs definition what we know about insurance now is still speculation

[@CitizenScott]

"You acknowledge and agree that the Game and the Pledge Item(s) delivered to you may differ in certain aspects from the description of the Game and the Pledge Items on the Website at the time of your Pledge, due to the evolving design of the Pledge Items and the Game during development." -RSI ToS that we all agree to before every pledge

[@Saf_Ibn_Sayyad_Bacon]

You got a smexy voice boyu 😊

[@CitizenScott]

Yo cool it lol

[@spikevalentine4245]

new player question let's say you want to buy a pledge ship and it comes with 6 months insurance is there any way that you can buy Lifetime Insurance instead for that ship.

[@UniversityofStanton]

@@spikevalentine4245 Not unless you get an Upgrade to another ship/item that itself comes with LTI. The upgrade (or CCU chain) respects the highest insurance within it. One option many people take is buying cheaper ships/vehicles when they're offered with LTI, and then upgrade them to larger ships that they want to have LTI on.

[@zeeshanish1]

I am slightly more confused. If all pledge ships have level 1 insurance, isn't that LTI? you mentioned it as two different things.

[@UniversityofStanton]

@@zeeshanish1 LTI is a website promotion that applies level 1 insurance to that ship ingame, but with no time limit on it. Other ships have insurance with varying durations (not lifetime/LTI). Those expire at a certain point.

[@zeeshanish1]

@@UniversityofStanton so it wouldn't be far fetched to claim that all pledge ships have Lifetime warranty which forces level 1 insurance (at higher premium charge for recovery, free if you have insurance) unless ofcourse you already have Insurance level 1 or higher?

[@UniversityofStanton]

@@zeeshanish1 No. Warranty is separate from Insurance, and the lifetime warranty offered on pledge ships has a special benefit that you can pay credits to recover your ship if it's destroyed WITHOUT insurance on it.

[@Saf_Ibn_Sayyad_Bacon]

What about getting a lti gifted ship? My b day ia this end of November and a friend might gift me a caah paid ship

[@UniversityofStanton]

That will work the same as any pledge ship on your account. Gifted items are still pledges.

[@Saf_Ibn_Sayyad_Bacon]

@@UniversityofStanton OK ty now I'm thinking about buying a culture in game what happens if an in game credits purchased ship blows up does it currently work the same as a pledge ship?

[@UniversityofStanton]

@Saf_Ibn_Sayyad_Bacon Currently it does, you don't lose ships in the current build. In the future you will need to buy insurance and find a warranty in-game for it to get it back.

[@Saf_Ibn_Sayyad_Bacon]

@@UniversityofStanton does it keep upgrades as well I buy in game? I might buy a better quantum drive for my new vulture x3

[@UniversityofStanton]

@@Saf_Ibn_Sayyad_Bacon You will currently keep upgrades, yes. However there's no need to upgrade QDs right now because they're all the same speed and efficiency this patch.

[@Metro2Metro]

I hope they do not replace upgraded components. This Will ruin the game! This is how: item duplication, if I go to a player crafter and buy all my upgraded components, guns etc. if I lose my ship due to being crashed exploded or stolen. Submit A claim. My broken or stolen ship still exist with upgraded components out there somewhere, I get a new ship back with new upgraded components that I had. Now the crafted components that I had bought earlier from the player are now duplicated, in addition I do not have to go back to buy more components from the player so he loses out on return business. In addition there are now double the components out there in a verse that he crafted. This can happen over and over and over again. So initially the one set of upgraded components that the player crafted and sold. Now there's 50 copies out there but only one set was ever made.

[@UniversityofStanton]

@@Metro2Metro I have to imagine they've considered this, but if they have they have not announced how it would work. Definitely keep this idea floating around, they should know better!

[@danielecatellani]

The problem already exists.. you can take out components/weapons from friend's ship to outfit your own at no cost, and then your friend can claim it back without losing those component too, actually duplicating them.

[@Metro2Metro]

@@danielecatellani this is true, but they still consider this an alpha, in addition 1.0 has no more resets. for the meantime this is okay. I think they should do away with warranties, and upgraded components insurance. Everybody will have to pay for ship insurance. From day one Should give a 10% or 20% discount off for everybody who has a Time duration policy when the time policy ends. They no longer get the discount. For all those like myself, have a full LTI fleet. Should be giving that discount off of insurance for life. For those whose ships that they bought in the store with real money that flown their ships anyway after their insurance expired would have to pay a in-game penalty using UEC or a large time delay Would then get a ship back with stock components For those that claim there ship a lot. Should have to pay A higher rate for insurance. May also offer freight insurance instead of upgraded component insurance.