After reading this article on clone upgrades and ship insurance it got me thinking. I can not for the life of me remember the last time I insured a ship. It's just something that I never sustained a habit for doing. But why?
My very early memories of ship insurance are annoying mails and small and somewhat irrelevant payouts, especially on the tech II ship hulls. Sprinkle in the fact that the tech I hulls that I would send to a fiery grave on a regular basis literally cost pennies, well I never insured them either. I think I went through a brief phase of flying Hurricanes in gangs at one point and vaguely remember I may have insured those. But when I did, the ships I had insured outlived the insurance in most cases. A waste of ISK.
So why do so many people insure their ships? Is it a false security? Would removing insurance be a benefit? Why they do I don't know, perhaps they do simply because the option is there and it is human nature. I think it is a false security, yes. I can't answer the latter. I don't know how the current insurance system could be replaced and will openly admit that it would perhaps cause some outrage with incredibly bad players who lose ships in pve activities. However, that's an alien world to me, dark circles indeed.
I'd like to think that I am not the only one who has this mentality. The way I see it is it costs me X amount for a pvp ship (from my own investment, kind of like going to the cinema--I don't insure my tickets for when the movie finishes) and whether that ship gets blown up on the undock or lasts through 50 fights or more, well that was the investment and it has served its course. Job done and move on to the next hull.
Nobody in the game should be in a position where they don't have ISK to back-up ship losses. It is too easy to make ISK in EVE. Perhaps that is the problem? Are people greedy with the desire to replicate their own ISK investment? If everybody sticks to the old saying of 'don't fly what you can't afford to lose' then surely that means insurance in its current form is redundant.
Maybe my thoughts on this are somewhat blinkered and one dimensional. I hope this makes sense. I dunno.