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  1. Dear developers Me and a friend have been talking about insurance fraud recently and how to adjust the current insurance system to reduce the fraudulent component. First of, what is insurance fraud: When a player is dumping his equipment in a hard-to-find spot on the map, to take some other loot. He then receives all the items he dropped again, with a minimal risk of it being found by someone else and therefor profits double. Our proposed changes have two components, which should be tested in steps. Step 1 -> Component 1 active Step 2 -> Component 2 active Step 3 -> Component 1 & 2 active Component 1: Have a percentage of successful insurance return based on your team size and survival of team members. When you are running as a team, you have to rely on your teammates to get your stuff out. You already have much better odds as a big team in comparison to a solo for survival and insurance just makes sure you will almost never lose anything. So the rough numbers I would present are as follows: Solo Player : 100% success rate 2P Squad: 80% success rate (drops to 50% when 1 squad mate extracts) 3P Squad: 50% success rate (drops to 20%/5% when 1/2 squad mates extract) 4P Squad: 20% success rate (drops to 5%/1%/0% when 1/2/3 squad mates extract) 5P Squad: 5% success rate (drops to 1/0% when 1-2/3-4 squad mates extract) The incentive for this change, to play as a team and help each other out. Teamplay is encouraged. Component 2: Have a percentage of successful insurance return based on proximity of an item to your dead body. When somebody is picking up your gear, also a friend of yours then its most likely gone. How should the insurer be able to find your stuff on a huge map like woods or shoreline and know this is your gear. Therefore, equipment closer to your body is more certain for an insurer to match it with you. So the rough numbers I would present are as follows: Equipment is 0m off your body: 100% success rate Equipment is 1m off your body: 95 % success rate Equipment is 5m off your body: 90% success rate Equipment is 10m off your body: 75% success rate Equipment is 20m off your body: 50% success rate Equipment is 30m off your body: 10% success rate Equipment is 50m off your body: 5% success rate Equipment is >50m off your body: 0.5% success rate Equipment is >100m off your body: 0.1% success rate The further away the less likely you get your stuff back. In the formula there should be a drop off around 20m and never get to zero. For the third step: Those two systems will be cumulated. Thank you for your time and I hope for a lot of discussion about the idea. Kind regards.
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