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YoloHippy

Insurance Rework

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YoloHippy

Hi EFT Team and community, 

Just a noob player here throwing down a thought on how a change with insurance would help the game a little better. I have read many a forum post on Hatchlings and the constant salt that people have against them due to having loot grind stuff with just there hatchet and secure container. I know alot of us has done this, myself included to get loot and sell them to get more money to gear up for raids etc. I dont see any issue but alot of people are getting annoyed at it. Another issue is people going up against highly geared players who are highly skilled at the game and losing really fast due to the high learning curve this game offers, for me, nothing wrong with it as I find it challenging and rewarding.
But I guess in a way to help everyone with having gear issues, gear fear, hoarding etc etc we can look into how insurance works. Currently we insure our stuff, and in the likely event that we die, we have a chance of getting our gear back if a player hasnt taken it from our cold dead body. And if they do, our gear is lost forever. Alot of people who are new fear this, and this creates alot of salt within the experienced players to the very nooby ones. Alot of us understand that this is a hardcore realistic game, but i think we can make a change to how insurance works to benefit everyone and have a healthier community and better gameplay.
I would like to suggest that when you insure your gear, you are 100% guaranteed to get them back after death. Now now, hold the fire and pitchforks everyone. I only say this so that the GEAR we get doesnt have a place holder anymore. That means the only thing that we are really needing is PVE material that cant be insured, so the focus is more on the quest tasks and the trade items other then the enemies gear. 
You still can opt in to kill the enemies and loot them, but this makes the gameplay less annoying for those that are fearful of losing their hard earned loot. Now the experienced Tarkov players will probably read this and go whatever, but some of us dont live and breathe this game. I play this game a bit and have no issue with losing loot now but it does get annoying sometimes when a scav magically shoots you in the head after youve unloaded several AP rounds into him.
How to balance the insurance mechanic since its a guaranteed return of goods? Well increase the payment by a large portion. Like, very large. That way our money isnt being hoarded, ppl have millions. Literally. The streamers can vouch for that.
How does this help everyone? Well we are now not worried about our gear, we are now focused on the raid, looting what we find, killing what we see, engaging in PVP more often (the ones that dont like the pvp aspect will surely join in more instead of camping and getting the scraps)
How does this impact economics? Well weapons degrade. If people are worried a change like this will break the game then make it so that when you receive your lost goods, all the items suffter a 20% durability loss. So this way, you die 5 times, your gear is rubbish, time to buy new gear, or farm it.
This suggestion will not stop Hatchet runs etc, but it will help ease it off so that people are shooting more geared players for more fun or mayhem. I know myself and others would benefit a system like this and would be more engaging in PVP if knowing my gear will be back after death to go at it again before they eventually break and have to be replaced. I would rather have my gear fall apart after dying the 5th time then to work really hard in getting the gear or cash and have it be all gone in 30secs.

That all being said, I know there can be more issues with having a guaranteed insurance policy, but i think it wouldnt hurt the players to have that peace of mind, and I know that the streamers/youtubers/highly experienced players would probably be ok with it either, hell theyd probably go all full terminator mode and hunt us all down even more then what they are now lol.

Anyways, thanks for your time.

PS - Now before all the ultra realistic hardcore players out there burn my suggestion in saying that this is meant to be a "hardcore realistic game and that when you die you lose everything, simple as that...." if thats how you are going to approach what I have said, that I suggest the devs remove the secure container for everyone... that way we all can be more realistic.... Just saying.

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mudvaynemk

Terrible idea. Removes all incentive. If you want a game like COD, there are TONS of them out there. Nobody grinds for gear with a hatchet unless they're really horrible. Or they don't know how to use the incredibly short SCAV timer to get loot. You shouldn't ever fully run out of gear. I'm a purely solo player and i am not very skilled but I always manage to have a full EoD stash with millions of roubles and tens of thousands of dollars. If you're new, there is a skill gap. You just have to ride the shitty losses for a while like the rest of us did. It takes time to get decent at the game. But it is possible to take a fully geared guy out with just a pistol. Use your scav runs. 

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xHaroldx

I agree that insurance needs a rework to be honest. It's way to forgiving at the moment, you just insure all every raid and you pretty much always get more back then the price of insurance, there is hardly a downside/choice involved at the moment.

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JoschiGrey

 

---------------------------------------My thoughts on 100% insurance----------------------------------------------------------

I don't think a 100% insurance is the right way, maybe as an option for example you insure at the mechanic and in costs 50k to insure your stacked AK-74n, but than you could just buy a new one instead of insuring your old.

Or maybe a percent chance of regaining your loot even is it was looted, but I was never able to solve one problem while thinking about a Item regain after an Item was extracted: What happens to the looted item itself? What I mean is, if I kill someone with insured gear, would I be able to loot him? And if so, could I extract with there Items? Because if I'm allowed to extract with them, I would successfully cloned an item and if I can't loot the items I'm quite frustrated, because there is no reason to engage in PvP with an high geared player.

 

--------------------------------------------My own idea on a trader rework-----------------------------------------------------------

I could imagine a system that give back your insured item if it is soled to the trader who insured it within of a day or two, then you would have to decide wich person is the most likely to buy your insured items and/or you could insure your item at more than one trader to increase the chance of your item coming back in your inventory. This would generate the above mentioned choice.

Edited by JoschiGrey
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xHaroldx

@JoschiGrey

When i Insure my gun, and you kill me and take the gun out of the raid, i will not get the gun back.

Insurance is a misleading term really. It should be called recovery fee or something. Basically, the back story is that whoever you insured with will send some people into the raid after it ends, and they collect any loot you insured that is still left there. 

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JoschiGrey

@xHaroldx

I know how insurance actually work in EFT, but this was an response to an idea to change this whole system,

The original author would like to have a 100% return rate with increased costs, pls read the original post/idea before responding to anything.

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HappyCamper

Heh, maybe the traders should hire actual players to do the retrieving of said items.

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YoloHippy
On 16/03/2018 at 9:06 AM, JoschiGrey said:

 

---------------------------------------My thoughts on 100% insurance----------------------------------------------------------

I don't think a 100% insurance is the right way, maybe as an option for example you insure at the mechanic and in costs 50k to insure your stacked AK-74n, but than you could just buy a new one instead of insuring your old.

Or maybe a percent chance of regaining your loot even is it was looted, but I was never able to solve one problem while thinking about a Item regain after an Item was extracted: What happens to the looted item itself? What I mean is, if I kill someone with insured gear, would I be able to loot him? And if so, could I extract with there Items? Because if I'm allowed to extract with them, I would successfully cloned an item and if I can't loot the items I'm quite frustrated, because there is no reason to engage in PvP with an high geared player.

 

--------------------------------------------My own idea on a trader rework-----------------------------------------------------------

I could imagine a system that give back your insured item if it is soled to the trader who insured it within of a day or two, then you would have to decide wich person is the most likely to buy your insured items and/or you could insure your item at more than one trader to increase the chance of your item coming back in your inventory. This would generate the above mentioned choice.

Yea these sound good. i understand the point where killing a PMC and not being able to loot him due to insurance, but thats not what my idea was. You can still loot killed players etc for their gear. But when you insure you get it back upon death from say the insurer itself. I know the cost of insurance is greater then purchasing the gear again, but I guess this can be applied if you kill a PMC, who has a large amount of loot that you havent unlocked access too. In that sense I think it would be a good way to benefit from the higher cost of insurance as you cant purchase those items due to them being locked. 
And insurance would work in favor for those who spend Euros and dollars as those weapons are relatively expensive, and paying 50k roubles in insurance is cheaper then rebuying a fully decked out M4 etc.

But anyways thanks for your thoughts on it. Helped me rethink some things :D

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JoschiGrey
Am 17.3.2018 um 03:35 schrieb YoloHippy:

Yea these sound good. i understand the point where killing a PMC and not being able to loot him due to insurance, but thats not what my idea was. You can still loot killed players etc for their gear. But when you insure you get it back upon death from say the insurer itself.

Basically you want to "clone" "dupe" items, that would involve a great exploit potential while playing in a group.

These days you save the weapon of your mate by throwing it in a bush or extracting with it and give it back to him the next raid. If the insurance work like you suggested your friend could extract with the weapon (and now has a fully stacked M4) and you also would have an fully stacked M4. 

Maybe I wasn't clear thanks to my limited English knowledge, I just tried to explain this problem. Both Ideas cloning or not being able to loot have too many downsides. Because of that I think it is literally impossible to implement an not exploitable and not frustrating "100% insurance"

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KerryBae

In my opinion the insurance system is good as it is only thing id like to see changed is the amount of time to get it back but that isnt a bad thing. With the 100% insurance return i think the game would lose its major point  with losing gear since its the thing that gets my heart pumping since you have something to lose so you try to play tactical instead just rushing everything. you would get really bored quickly because you have nothing to lose. Maybe there is a way to improve the insurance system but i dont think this is the way

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