# When did they nerf insurance?! **URL:** \ **Category:** General Discussion\ **Created:** [September 30, 2021, 9:26pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440 "2021-09-30T21:26:07Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![JayEm\_HighCastle](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/jayem_highcastle/32/395581_2.png) [@JayEm\_HighCastle](https://forums.eveonline.com/u/JayEm_HighCastle)\ **Post date:** [September 30, 2021, 9:26pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/1 "2021-09-30T21:26:07Z")
I know insurance never did cover all or a majority of a ship loss. And I know why it’s done that way. But I seem to recall it did cover 30%-40% or better. Now, the best I can get is 500k or so no matter what ship! That’s less than 1% for a 80mil hull!!! When did this happen?! 😵 ---
**Author:** ![Kellie\_McCalamitie](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/kellie_mccalamitie/32/285447_2.png) [@Kellie\_McCalamitie](https://forums.eveonline.com/u/Kellie_McCalamitie)\ **Post date:** [September 30, 2021, 9:41pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/2 "2021-09-30T21:41:25Z")
EVE has ship insurance?? Did you get the Platinum?😄 > [@JayEm\_HighCastle](#): > > When did this happen?! Probably since CCP realized they’re losing 📉💰 and paying players. ---
**Author:** ![Gadget\_Helmsdottir](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/gadget_helmsdottir/32/374037_2.png) [@Gadget\_Helmsdottir](https://forums.eveonline.com/u/Gadget_Helmsdottir)\ **Post date:** [September 30, 2021, 9:46pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/3 "2021-09-30T21:46:40Z")
Did insurance get changed, or did the price of the ship on the market get changed? –Asking Gadget ---
**Author:** ![Rroff](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/rroff/32/509119_2.png) [@Rroff](https://forums.eveonline.com/u/Rroff)\ **Post date:** [September 30, 2021, 9:53pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/4 "2021-09-30T21:53:38Z")
You sure you aren’t mixing up the cost of insurance with the payout? ---
**Author:** ![Lincoln\_Spicuous](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/lincoln_spicuous/32/285513_2.png) [@Lincoln\_Spicuous](https://forums.eveonline.com/u/Lincoln_Spicuous)\ **Post date:** [September 30, 2021, 10:18pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/5 "2021-09-30T22:18:35Z")
Maybe it’s not so much the insurance system that was changed, than something to do with the scarcity-thingy? Also, I read somewhere that insurance payout is based only on the est. price of minerals required to build the hull. If you’re talking about an [Algos,](https://zkillboard.com/kill/95564288/) it’s a [cheap destro](https://www.fuzzwork.co.uk/blueprint/?typeid=32872), so insurance is low. If this is about an [Astero](https://zkillboard.com/kill/95400543/), then most of it’s bill-of-materials cost comes from components (estimated [here](https://www.fuzzwork.co.uk/blueprint/?typeid=33468) at 43,04m out of 43,66m isk) that are not considered in the payout calculation. Edit: as per reply below mine: [EVE U wiki: insurance](https://wiki.eveuniversity.org/Insurance) (not that everything this wiki says is up to date; just that it’s necessarily more reliable than my “_I’ve read somewhere_”s ; ) ---
**Author:** ![Geo\_Eclipse\_Oksaras](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/geo_eclipse_oksaras/32/500781_2.png) [@Geo\_Eclipse\_Oksaras](https://forums.eveonline.com/u/Geo_Eclipse_Oksaras)\ **Post date:** [September 30, 2021, 10:22pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/6 "2021-09-30T22:22:08Z")
The insurance payout is a pre-determined amount for each ship hull, mainly based on the **estimated value** of the **materials required to construct the ship** , with other factors playing into the final value to a lesser extent, such as ship type itself. The estimated market value of the ship hull itself is _ **not** _ considered to determine insurance values. The insurance value for all ships is regularly being recalculated to account for market changes in the material markets. ---
**Author:** ![JayEm\_HighCastle](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/jayem_highcastle/32/395581_2.png) [@JayEm\_HighCastle](https://forums.eveonline.com/u/JayEm_HighCastle)\ **Post date:** [September 30, 2021, 10:58pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/7 "2021-09-30T22:58:03Z")
> [@Rroff](#): > > You sure you aren’t mixing up the cost of insurance with the payout? Absolutely. I just insured an Algos today, Plat plan only ~500k payout. Insured a new Astero the other day. Plat plan. Same payout. ---
**Author:** ![Scoots\_Choco](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/scoots_choco/32/262262_2.png) [@Scoots\_Choco](https://forums.eveonline.com/u/Scoots_Choco)\ **Post date:** [September 30, 2021, 11:07pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/8 "2021-09-30T23:07:20Z")
> [@JayEm\_HighCastle](#): > > I just insured an Algos today, Plat plan only ~500k payout. > > Insured a new Astero the other day. Plat plan. Same payout. Got screenshots of this? ---
**Author:** ![JayEm\_HighCastle](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/jayem_highcastle/32/395581_2.png) [@JayEm\_HighCastle](https://forums.eveonline.com/u/JayEm_HighCastle)\ **Post date:** [September 30, 2021, 11:14pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/9 "2021-09-30T23:14:37Z")
> [@Scoots\_Choco](#): > > Got screenshots of this? This is for one of my recently added Astero’s ![image](https://global.discourse-cdn.com/eveonline/original/4X/6/3/0/630ff0176285223ab029114cb3820db61c02f639.jpeg) ---
**Author:** ![Ramona\_McCandless](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/ramona_mccandless/32/468438_2.png) [@Ramona\_McCandless](https://forums.eveonline.com/u/Ramona_McCandless)\ **Post date:** [September 30, 2021, 11:17pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/10 "2021-09-30T23:17:24Z")
Inthpught Faction ships always had ppor payouts? Im assuming the new mat costs werent factored in because ccp? Also for the Algos isnt that correct? ---
**Author:** ![JayEm\_HighCastle](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/jayem_highcastle/32/395581_2.png) [@JayEm\_HighCastle](https://forums.eveonline.com/u/JayEm_HighCastle)\ **Post date:** [September 30, 2021, 11:23pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/11 "2021-09-30T23:23:30Z")
I just checked insurance one on my my expired Dragoons. Same thing for Plat plan. ---
**Author:** ![Ramona\_McCandless](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/ramona_mccandless/32/468438_2.png) [@Ramona\_McCandless](https://forums.eveonline.com/u/Ramona_McCandless)\ **Post date:** [September 30, 2021, 11:24pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/12 "2021-09-30T23:24:18Z")
Yeah, its just a T1 dest, it cant have much more than half a mill of minerals in it, surely? ---
**Author:** ![JayEm\_HighCastle](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/jayem_highcastle/32/395581_2.png) [@JayEm\_HighCastle](https://forums.eveonline.com/u/JayEm_HighCastle)\ **Post date:** [September 30, 2021, 11:32pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/13 "2021-09-30T23:32:04Z")
I understand why insurance doesn’t pay out a lot. And I agree with the reasons. NTL, that’s an insult! Imagine your new $20k car is totaled and the insurance company only pays you $5,000 saying it can’t be much more in iron, aluminum, plastic, copper, rubber etc. ---
**Author:** ![Ramona\_McCandless](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/ramona_mccandless/32/468438_2.png) [@Ramona\_McCandless](https://forums.eveonline.com/u/Ramona_McCandless)\ **Post date:** [September 30, 2021, 11:32pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/14 "2021-09-30T23:32:56Z")
I generally dont fly my car into combat though. ---
**Author:** ![Mkikaden\_Tiragen](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/mkikaden_tiragen/32/243913_2.png) [@Mkikaden\_Tiragen](https://forums.eveonline.com/u/Mkikaden_Tiragen)\ **Post date:** [September 30, 2021, 11:35pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/15 "2021-09-30T23:35:35Z")
Imagine they pay you $10k because you drove it off the lot and now it is a used car, not a new car. Oh wait, I don’t have to imagine, that’s literally what happens. ---
**Author:** ![Cypherous](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/cypherous/32/499883_2.png) [@Cypherous](https://forums.eveonline.com/u/Cypherous)\ **Post date:** [September 30, 2021, 11:42pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/16 "2021-09-30T23:42:50Z")
> [@Kellie\_McCalamitie](#): > > EVE has ship insurance?? I know right? To be fair 99% of what i fly was never worth insuring before the change, faction and T2 insurance was always trash, the rest of you have just caught up ---
**Author:** ![Gadget\_Helmsdottir](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/gadget_helmsdottir/32/374037_2.png) [@Gadget\_Helmsdottir](https://forums.eveonline.com/u/Gadget_Helmsdottir)\ **Post date:** [September 30, 2021, 11:49pm UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/17 "2021-09-30T23:49:05Z")
Imagine having to pay ever increasing premiums whenever you lost your ship… –Like a good neighbor, Gadget is there ---
**Author:** ![Anthony\_FatTony\_Amico](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/anthony_fattony_amico/32/391106_2.png) [@Anthony\_FatTony\_Amico](https://forums.eveonline.com/u/Anthony_FatTony_Amico)\ **Post date:** [October 1, 2021, 12:15am UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/18 "2021-10-01T00:15:22Z")
I mean never really looked at insurance as my PVE ships never exploded… Insurance in EVE is kind of like a vanity thing? Debunked? Unvalued I guess? Almost like player bounties CCP removed. ---
**Author:** ![JayEm\_HighCastle](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/jayem_highcastle/32/395581_2.png) [@JayEm\_HighCastle](https://forums.eveonline.com/u/JayEm_HighCastle)\ **Post date:** [October 1, 2021, 12:34am UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/19 "2021-10-01T00:34:48Z")
> [@Ramona\_McCandless](#): > > I generally dont fly my car into combat though. Guess you never drove the inner city roads. 🙃 ---
**Author:** ![JayEm\_HighCastle](https://sea1.discourse-cdn.com/eveonline/user_avatar/forums.eveonline.com/jayem_highcastle/32/395581_2.png) [@JayEm\_HighCastle](https://forums.eveonline.com/u/JayEm_HighCastle)\ **Post date:** [October 1, 2021, 12:39am UTC](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440/20 "2021-10-01T00:39:25Z")
> [@Anthony\_FatTony\_Amico](#): > > I mean never really looked at insurance as my PVE ships never exploded… Insurance in EVE is kind of like a vanity thing? Debunked? Unvalued I guess? Almost like player bounties CCP removed. Especially if CCP wants to get players out of Hi into Low and Null, being able to recover 30%-40% even 50% of a ship loss is a good incentive. [Next page](https://forums.eveonline.com/t/when-did-they-nerf-insurance/330440.md?page=2)