Is Lifetime (LTI) Insurance really that important??
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- Опубликовано: 10 сен 2024
- Are you unsure about the importance of Lifetime Insurance (LTI), or if there really is any importance to it at all? This video is for you!
Not much information has been provided by CIG on this important topic, but I do my best to give some perspective. Watch in its entirety to hear some key thoughts and ideas that may help you better understand what LTI is and will be once the feature is implemented.
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The fact that they have been using insurance as a selling point since day one, but have yet to actually specify what insurance actually means in the game after launch, is one of the shadiest things about their business model in my opinion.
Yeah I can get behind a lot of stuff but this is uncool.
They might actually plan to make it matter a lot, but they can't expect us to go off of guesses. Likewise we can't expect them to already know how exactly it's going to work, so IMO it should come with a money-back guarantee on launch for the value of the LTI itself.
So you mean the insurance stuff really don't matter when I'm buying ships with money on pledge store ? ( 3 ,6 ,24 months)
After that time do I lose my pledged ships and out real money .... because if that is the case. It's totally not worth me buying and supporting this game anymore ...please someone HELP . IM A NOOB LOL
@@Crob92 You'll never permanently lose anything which you've paid real money for. You simply may have to pay a bit more in terms of in-game money (UEC) to reclaim a destroyed ship, when compared to a ship with LTI. LTI is really just a convenience in the form of lowered ongoing maintenance costs ingame, in exchange for providing CIG more real money *now* to increase funds for development.
Longtime backer here, and I do not own any LTI ships. Actually my only pledge is a Cutlass Black package ;)
@jeremymtc insurance is based on in game time? And is it possible to renew insurance in-game?
@@jeremymtc this 100%, you will never lose your paid for (with real money) ships.
The fact that 12 years into the project, 11 years into development, 10 years into public crowdfunding, and worse of all 8 years of the delayed release..... And we still have no clue how insurance will ultimately work, and we are still "theorycrafting", is utterly ridiculous.
With CIG being purposely coy. I refuse to own ANY ship that doesnt have LTI. Luckily its cheaper to build CCU chains with LTI than buying the under insured fully priced vessels and often cheaper than the Original Concept Warbond LTI ships. So, its stupid to ever buy any ship that DOESNT have LTI.
Your point of view on this topic is refreshing to hear. The worst part of it all is the uncertainty of the insurance gameplay, and let's not add the fact that contract/mission payouts will definitely change at some point before release, so another unknown variable.
Thanks! And I agree, there is so many possibilities with this system that it's difficult to really anticipate what it will actually be
I look at LTI purely as a means of saving $5-$15 off the cost of a ship. LTI is just a side benefit of saving the initial $5-15 cost off a ship pledge. Last year’s warbond $65 Spartan saved $15 off the cost of a more expensive ship pledge. Getting the $80 Spartan allowed you to use store credit and came with 120-month insurance.
Agreed, if you get it for free or even as part of a better deal, go for it!
If you know Star Hangar, you know its IMPORTANT, because on secondary markets, the price difference is gigantic, if you ever want to sell some ship you got tired of.
Aside from that, LTI is excellent to have - can't loose your ship neither by malice nor by mistake!
This was a great video! I have 10 year insurance on my entire fleet. I figure that is enough. Getting LTI on everything has a USD cost that is not worth it to me. If I'm too broke to pay for insurance after grinding for 10 years, I really am doing something wrong. Or else CIG implemented a space casino, because I'm a degenerate gambler.
Nice work in this presentation. There is so much FOMO and speculation on this topic.
With CIG using insurance as a marketing ploy, they are going to be walking on egg shells when insurance finally matters. I am sure they will eventually make it fair and balanced. But the old saying goes, "you can't please everyone".
I can only imagine the flaming internet when insurance starts to matter.
To add to what you've said here, I imagine there will be some additional value to LTI holders, similar to Kickstarter pledge rewards. Something that is objectively better than anything you can get post launch, but not game-breakingly so. For example, it might be that besides the fact you never have to renew, you might have lower deductibles, or free parts (i.e. custom module replacement), instead of just a stock pledge. I don't think it's JUST going to be that you don't ever have to renew, though depending on renewal costs that could very well be enough (e.g. if the renewal cost is several times the purchase price of the ship).
There is also a question as to even how long insurance IN GAME would last. Maybe buying insurance for a ship only lasts a week or a month. Having 10 years or LTI insurance then has some extreme value, since it would be an extremely frequent expense.
I do also want to note that besides the FOMO effect that is absolutely real, I think there is a certain piece of mind that comes with LTI for certain casual players, which brings its own value. It's not expensive to get LTI (look at the cutter), which you can then upgrade using credits to w/e ships you want. So, for casual players who might take long breaks from games for whatever reason, they get the peace of mind knowing that they'll always have insurance on SOME ships, despite if their insurance has lapsed on others. So they won't have the fear of having their ship blown up while they are getting the credits to repurchase new insurance.
I agree 100%
One important thing to note with regards to insurance is that it’s measured in in-game time, not real time. This has been confirmed over spectrum.
10 year insurance is 10 in-game years, not 10 real world years.
Even if we assume that time in Star Citizen moves at only twice the speed of the real world (and I should mention that this is what I consider to be the absolute slowest I expect it to move - I personally expect a factor of 4 is more likely), that 10 year insurance from the IAE will only last you 5 years in reality.
I don’t mean for this to change any minds one way or another, but I did feel that it was important to take note of. You will often hear people saying something along the lines of “you will never need more than 10 year insurance”, and this often overlooked fact makes that statement strictly untrue… at least for any ship you actually expect to keep long-term. After all, it’s long alpha cycle and persistent player base in spite of that means the game will have an expected lifespan FAR LONGER than a mere 5 (real world) years once released.
My personal opinion on LTI is that you should only really look to get it on your larger or more exotic ships (large alien ships like the BMM and luxury ships like the 600 and 890 in particular due to their size and the luxury/alien/rarity/exotic material tax that affect their price and replacability in game).
LTI tokens are pretty cheap really. I mean during a sale you can usually pick something up for about $40 that has LTI, and then CCU it to a bigger ship you actually want using your store credit. ATM I see LTI as just a chest puffing exercise, like "All my ships have LTI " bragging rights.
If I remember rightly years ago CIG said that insurance will be fairly inexpensive once it is implemented. I mean it kind of makes sense, since you are going to earn and buy ships in game, and they won't come with LTI. So if you grind hard and end up with a massive fleet of ships in game, you are going to want insurance to be pretty dam cheep or you will be grinding just to keep up with your insurance costs.
Imho, LTI was offered, in the early days of development, as a marketing ploy to create FOMO to concept sales which was key to raising money
After CCUs (for those who don’t know means cross chaise upgrades) were introduced, the LTI token was born
To me, pledging is spending money outside the game to save time inside the game. The value of that ratio is completely speculative and subjective. I happen to be an advocate that game packages offer more value than LTi tokens in a lot of situations
One of the best content creators for this game. Sorry to see that ypu had moved on to something greater.
Hope and wish you the best life possible.
LTI can be usefull for people with low time to grind too. It will cost lesser time to pick ships ingame, probably.
Plus, it would be shocking to see LTI being "less" than a 120 or 6 month plan. Every ship that is over $1000 comes with LTI as a bonus. If that "bonus" was actually worse than a 6 month policy, that wouldn't go very well for CIG.
I'm hopeful that they'll do right by LTI. Even if it's as simple as something like insuring all the components you've installed vs just the ship itself with stock components
for me, medium to light ships I don't care about LTI unless its a ship I manage to pick up during war bond since its a ship I really want to pledge. Now for all my large to capital ships all have LTI for the sole reason that CIG stated that insurance may depend on ship size and price. Now sure maybe getting a renewed lease on something like a cutty black or Andromeda won't be too draining but something like replacing a Polaris or hull series would be insanely expensive.
I'm just afraid of LTI sense becomes lesser then we all imagine. We know it isn't that hard to happen. But on the other hand, I still have afraid of losing time and spending lots of Uec with insurance ingame, depending on gameplay pirates and pvpers will create there.
I think they'll chicken out with insurance and store-bought ships. I wouldn't be surprised if in the end, LTi is basically free, premium and free deductible (on some sort of cool down for use). store-bought ships I bet will be recoverable even without insurance at a much higher deductible amount.
Personally, I'm keeping a very small fleet(2 ships), so getting LTI on everything isn't that big of a deal.
LTI is a very good thing, especially for people who don't have much time to grind. I bought a Carrack package with LTI but not all the ships that are in the package I like. So those ships with LTI that I don't like I can change to ships that I like but do not have LTI. This way I can get LTI for the ships I like.
With so many ways to get LTI, it's something that's probably nice to have if you can swing it. But with all the unknowns it's probably not worth bending over backwards to get if you can't.
Exactly!
Awesome video and great explanation of the current system and staying on point. LTI, like various other aspects of this game, can easily take your mind in many directions. Those directions often being negative.
God bless.
Nice topic to cover. Good work. I see a similar situation with Insurance as Eveonline. Played that for 9yrs and insurance is a purchase in game.
I believe it would be more accurate to say that LTI is typically available for new concept ships/vehicles, Straight-to-Flyable Ships, referral gifted ships, concierge rewarded ships, and standalone ships / game packages which exceed $1000.
Warbond refers to pledges which are strictly cash only, with no option of using store credits. CIG typically ties warbonds with discounted ships which mostly have 6 month insurance unless it falls in one of the other categories or is part of an event which warrants 2 year or 10 year insurance.
Specifically, your example @1:30, both included 6 mos insurance. The Warbond version is discounted while the standard version is not.
Got the ROC with 10 years insurance. Thanks for all the help
Awesome and you're welcome!! 🙂
Didn't know anything about LTI until know. Thanks for the insight 🙃
You're welcome!
Thats an gorgeous video man. Very well made and very structured
You missed three quite important pieces of info/points. First, CR said LTI is not going to be important, it's just a perk. But, there are some reasons to believe subcapital and capital ships will have very high maintenance costs, including insurance. There LTI might prove extremely advantageous. And thirdly, you are much more likely to be able to sell a ship in grey market if it's LTI (whether there is a rational reason for that is another matter).
CR also said eating and drinking would not be required and would be buffs only, then when it showed up in game it is required.
I go with LTI. One of the few things CIG said is that it won't have any in-game fees to use. I have nightmares from EVE Online and it's insurance system. I want to avoid anything like EVE at all costs.
Thank You. Your instructional Vid's are truly awesome. Concise, factual, to the point, easy to understand and extremely helpful. Please keep it up. I need all the help I can get🖖
Thanks, and I will try my best 😁🙂
@@DigitalMaster_Gaming So sorry to bother you. Based on your Vid, can I buy a hoverquad as special with 10 year insurance then upgrade that to a ROC, pay the extra 20.00 and get the 10 year insurance on the Roc. Thanks in anticipation. G
Yes this is possible. As long as each ship cost less than the last, it will work
@@DigitalMaster_Gaming Thank you so much. Will upgrade and get my Roc. 👍😁
Bro!! Thank you for this vid. I’m new to SC and I have been worried about insurance. I just never fully understood it.
Anytime! 🙂🙂
It will be important in 2476 when the game releases.
Ways to fix LTI once the game takes off.
- You will be granted life time insurance on your ship, but only in your home planet. Which would be in Stanton. Would suck if you were journeying 20 systems away.
- Your ship takes a considerable amount of time in game to be claimed. Like 1 hour of in game play. Can be expedited but its still essentially free.
What final game? I’ll be 75 years old by the time he is makes full release.
Appreciate the explanation!
LTI or I don't fly my guy :D
I am just kidding. !0yr and 6 months is great for most stuff!
I try to get lti all the time lol but I do have 120 mo on a few 😁
Pro video, mate. Love your vids!
Thank you! 🙂
Star citizen is sometime confusing, thanks for these explanation !
thank you for the info my brotha
You're welcome 🙂
Well, if LTI isn't worth much there will be a community mutiny LOL They will have to give it some significance IMHO. I do agree with your video though. Deductibles will be in game and for some ships, they may be huge.
For sure, there would be mutiny lol
Of the 20 ships and ground vehicles (including nul-grav vehicles) in my fleet, only 7 are not LTI and out of those (mainly ground vehicles), 4 or 5 may be melted in the future? ;-)
WHY dont they fucking tell us, before People go out and use too much money on LTI if it turns out to make No sense.
Well made video!
that depends on you.And how long your going to dedicate yourself to SC. When i buy pack worth more that 1k i get LTI. and lately i have only been buying my Packs with Credit.
If the insurance is per ship and not one for your whole account, any insurance beyond the 3 month has no value at all... who is gonna play more than a month with his starter ship?
i regret buying the galaxy but its ok i will be upgrading to the polaris soon and my galaxy is LTI also so high hopes!
Out of curiosity, if I have an Avenger Titan with six month insurance that was my starting ship is there potential that when upgrading I can get LTI as a bonus or will I most likely get 10 year insurance? (I love my cutty and would prefer to start with it next wipe) I do have the STV with LTI insurance so there is potential I upgrade with that but I do plan on saving it for the Corsair. Thoughts?
Hey Sam, the only way this is possible is if CIG offers a warbond CCU that has LTI. I've not seen that before but I don't know for sure. However that is the only way to turn a 6 mo package into LTI otherwise you would have to melt and get a cheap game package/standalone ship-vehicle with LTI (lti token) and upgrade to your Avenger Titan
Haven't bought the game yet and still confused to how the insurance system works
so if I have a lifetime insurance on a ship will the insurance need to be renewed if I got my ship destroyed or stolen?
if it's renewable does it cost in game currency or real life money?
and if it's renewed does it still works as a lifetime insurance or will it be finite?
sorry I asked too much question
There's honestly not a lot of clarity around it from CIG tbh. Hard to give concrete answers, but you are asking great questions
@@DigitalMaster_Gaming thank you for the answer love the video you make by the way.
so as of now insurance system is not implemented/not fleshed out yet?
Not yet, CIG has yet to give clear info on how it will work
@@DigitalMaster_Gaming ah I see well then again thank you for the info :D
gonna try to pick the game when I got the chance
Sure, you're welcome!
The fact that people are spending real-world money on ships is going to cause big issues when the game finally releases. The minute someone loses access to any ship or in game item and CIG says it's gone and can't be retrieved for any reason, there will be legal action. Once you buy something, it's yours and can't be taken away. Even something on a subscription can't be taken away during the subscription period. I see a big legal battle coming. CIG has to know all this.
Facts is going to be a class action lawsuit I can feel it.
Don't think CIG should be selling insurance with a ship as an important thing without it being defined thoroughly and they should make it completely clear that it isn't released.
Thanks I ask myself this a lot 😂
LTI is good but only for big ships
IMO: *No*
We have no idea how valuable or borderline useless it might be once it's added, so I wouldn't spend extra real $$ on it.
its just a hook to bait whales.they said often enough insurance will not be that expensive...but it catches realy nice the collector in you!even its still stupid,thoo..
Well in the final game is an other topic 🤣
I have always hated the premise of insurance coming along with store bought ships, I am a smaller whale I'll admit but even still, the idea that some day my 890 may cease to be mine because I don't play for an extended period of time is enough to put me off the game a little.
So I can say that you won't permanently lose the ship you pledged for. I really can't see CIG doing that. I think once the dust settles it will be more fair than that 🙂
@DigitalMaster Gaming I had a feeling they really wouldn't allow that, thanks for responding! Even if it was just temporarily locked until you pay the insurance that'd be fine.
Yeah in fact I can confirm that much. Lapsing insurance isn't an instant loss, you will be able to renew before venturing back out
LTI only good if the game goes beta. I have 15 ships still not on the list to come into game, So LTI is a crap move
no..kz ..you would have finished the game, before it comes out....
If they try to rort their backers, I don’t see many having the incentive to keep playing. Especially after pledging thousands in the game. The point that most players would have already spent some 10 years or more playing, (if they’re still playing anyway), will probably invite them to leave the game altogether. CIG already has proven their willingness to keep moving the goal posts anyway…
If you own one ship, LTI is unnecessary.
If you own 10 ships, LTI is nice to have.
If you own 100 ships, LTI is absolutely essential!
That actually makes a lot of sense. I totally agree 🙂
You change up your video flow so much it's hard new what I'm clicking on if you didn't have a title
Thanks for that feedback! So, you're saying it was difficult to follow due to the flow?
@@DigitalMaster_Gaming oh no. Not what I mean. Just the vibe video to video is random for me. I don't know what to expect after I click on it
Oh okay, well I think that is good feedback still. I definitely don't want to be all over the place lol. I think I get what you mean. either way, I will be reviewing the content as usual trying to critique it to ensure quality improves with each new video 🙂😁
That is why this game is called Scam Citizen.
What a wonderfull way for the game to be banned from European Union.
I don't think I understand what you mean. can you explain?
do not suport this pay model