Insurance

I am not sure if this idea has been brought to the table or not, but introducing insurance may be kinda cool; let me explain: Players have the choice to purchase insurance in the event that their camp gets raided, and they loose a lot of loot. It would be a daily or per hour purchase), and would either cost a % of the total loot, or would scale with TH level. It would work something like this: TH9 player has 1 mil gold & elix and 10k dark elix; they are in between raids and will not be able to return to the game for 2 hours. Lets say that the available loot from their base is 100k gold & elix, and 300 dark elix. they can choose to insure one or all of their resources, say 10k each to insure gold and elix, and 50 de to insure dark elix for 2 hours. If they player is raided they do not receive the full amount back that was raided, but say 50% of the raided amount, so: This player pays 10k gold, 10k elix, and 50 dark elix to insure his stores. He returns to the game to see that he lost all 100k gold, 100k elix, and 50 de. His insurance paid off; he receives back from the "insurance company", 50k gold and elix, and 150 de... so instead of loosing 100k gold and elix and 50 de, after insurance costs, he only lost 60k gold and elix, and 200 de.
This would add another fun element to the game, but also help players maintain a bit more in control every time they exit the game.
Thanks for allowing this forum!
-Finni

Edit: cooldown time on usage

We already have insurance...

Its called defense.

Upgrade them.

really... so if I had max everything, no one could steal my loot? The game is bent towards raiders who have the advantage... defenders are still going to loose, no matter the level of their defenses... This creates an investment aspect to the game, for those who enjoy thinking... "Do I invest x amount of res. to protect me in case someone attacks?" We do this in the real world, why not incorp. it into the game?

Yes yes we need insurance, also a gem mine that we can insure also would be great

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Originally Posted by finni

really... so if I had max everything, no one could steal my loot? The game is bent towards raiders who have the advantage... defenders are still going to loose, no matter the level of their defenses... This creates an investment aspect to the game, for those who enjoy thinking... "Do I invest x amount of res. to protect me in case someone attacks?" We do this in the real world, why not incorp. it into the game?

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If no one can steal loot, then why raid?
If no one raids, why upgrade defenses?
If no one has defenses because no one raids because no one can steal loot, then let's all go play something else.

Quit whining about losing to superior opponents. It happens to us all.

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Originally Posted by ceaaron98

If no one can steal loot, then why raid?
If no one raids, why upgrade defenses?
If no one has defenses because no one raids because no one can steal loot, then let's all go play something else.

Quit whining about losing to superior opponents. It happens to us all.

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Man, it would be nice if people read and didn't assume... the raider gets to keep the loot, it is the game or internal "insurance company" that takes the hit. Your following points following your initial assumption are irrelevant.

Whining? I am simply offering a suggestion to improve the game and add a new element; if that is your definition of whining, I suggest you start whining. Maybe then you will add something constructive to the conversations you enter into :-)

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Originally Posted by Figjam66

Yes yes we need insurance, also a gem mine that we can insure also would be great

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The irrationality of this comment is nearly more baffling than the one following it... Where in my original post did I go so wrong as to confuse you this much? The insurance serves as another res. sink if the player does not get raided... the assumed sarcasm in your comment seems to imply that you think this would devalue the currency in the game, that is simply not true.. since it would only give a portion of the stolen loot back, and there is the possibility of wasting the res. spent to insure; the idea does anything but the afore mentioned..

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Originally Posted by finni

The irrationality of this comment is nearly more baffling than the one following it... Where in my original post did I go so wrong as to confuse you this much? The insurance serves as another res. sink if the player does not get raided... the assumed sarcasm in your comment seems to imply that you think this would devalue the currency in the game, that is simply not true.. since it would only give a portion of the stolen loot back, and there is the possibility of wasting the res. spent to insure; the idea does anything but the afore mentioned..

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Edit: by "give a portion of the stolen loot back" I mean it gives it back to the player, but not that it takes it from the raider.. as mentioned in an earlier reply, the loot given back the the player comes from the game itself, just like the pump/drill resources.

I don't think the concept of insurance existed in the medievil area the game is based in.

That alone rules it out really.

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Originally Posted by gallantblade

I don't think the concept of insurance existed in the medievil area the game is based in.

That alone rules it out really.

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Correct me if i am wrong, but do we have any substantial evidence for the existence of spells, wizards that shot fire, flying minions, or medieval hot air balloons with skeleton pilots during that time period? Furthermore (to stray away from the myriad of other historically inaccuracies in COC) a quick google search will reveal that insurance contracts were invented in Genoa in the 14th century....

Really?

And in case you were joking.... that gave me a good laugh! :-D

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Originally Posted by Figjam66

also a gem mine that we can insure also would be great

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thats a ruled out idea... supercell would lose a lot of money if they did that

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Originally Posted by Figjam66

Yes yes we need insurance, also a gem mine that we can insure also would be great

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Gem mine is a ruled out Idea

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Originally Posted by HeavensFace

thats a ruled out idea... supercell would lose a lot of money if they did that

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You ninjaded me:p

SC is in no way obligated to take this hit as the insurer.

You lose what you get raided and that's the way it should be.

Similarly, you get what you raid, and the person you raided loses that same amount.

If insurance was an option, there would be way too much resources additionally added into the game in a large amount, especially considering that resources are already added into the game by clan wars, league bonuses, and collectors/mines/drills.

The game functions perfectly fine without insurance; it has the right amount of challenge/strategy already.

LOL. Hilarious idea.
Wait, you were serious?!?!

Insurance in a medieval game?!?!
What???

Terrible idea. Turning a game into real life. insurance would make the game terrible for attackers. Use defenses.

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Originally Posted by finni

I am not sure if this idea has been brought to the table or not, but introducing insurance may be kinda cool; let me explain: Players have the choice to purchase insurance in the event that their camp gets raided, and they loose a lot of loot. It would be a daily or per hour purchase), and would either cost a % of the total loot, or would scale with TH level. It would work something like this: TH9 player has 1 mil gold & elix and 10k dark elix; they are in between raids and will not be able to return to the game for 2 hours. Lets say that the available loot from their base is 100k gold & elix, and 300 dark elix. they can choose to insure one or all of their resources, say 10k each to insure gold and elix, and 50 de to insure dark elix for 2 hours. If they player is raided they do not receive the full amount back that was raided, but say 50% of the raided amount, so: This player pays 10k gold, 10k elix, and 50 dark elix to insure his stores. He returns to the game to see that he lost all 100k gold, 100k elix, and 50 de. His insurance paid off; he receives back from the "insurance company", 50k gold and elix, and 150 de... so instead of loosing 100k gold and elix and 50 de, after insurance costs, he only lost 60k gold and elix, and 200 de.
This would add another fun element to the game, but also help players maintain a bit more in control every time they exit the game.
Thanks for allowing this forum!
-Finni

Edit: cooldown time on usage

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grt idea for making COC a flop game,
ur idea basically is totally against farmers hence "NO"

You have insurance already...you have the ability to sit there and wait for a good time to revenge someone when they have more loot available than they took from you.

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Originally Posted by Superfarmer

grt idea for making COC a flop game,
ur idea basically is totally against farmers hence "NO"

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Man... everybody has brought the same issue to the table, but has not once read my original idea through enough to know that it is irrelevant... It has nothing to do with the farmers... they keep all the loot that they looted.. the "game" provides the insured loot back to the player...

and per the comment "SC has no obligation to insure loot", well yea, they have no obligation period hah (except to give gems to those who pay for them)! It would add another element to the game, and would not flood the economy one bit as it also serves as a resource sink.

and per the second medieval comment... I assume you have not read the thread, but insurance contracts were invented during medieval times, that aside, you are playing this game on your electronic device, not very medieval eh?

To the pricks: Please read fully before you comment.. The idea may be bad, but no one has raised any criticism that was either not already addressed and proven irrelevant, or is completely illogical (medieval insurance, I am talking about you). Please read and think before posting.. I obviously think the idea is good, and as of now, I am convinced that if a logical thinking fellow who can read finds this thread, they may like the idea as well.

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Originally Posted by hogyh03

You have insurance already...you have the ability to sit there and wait for a good time to revenge someone when they have more loot available than they took from you.

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Aaaah see, had I known that "revenge" and "insurance" meant the same thing, I would have saved myself a lot of time!

So closed minded, it is a completely different concept.

Just accept the fact that your idea is a flop and move on. Insurance would add unnecessary mechanics to an otherwise OK game.
1. You raid,
2. You build,
3. You defend.

Repeat.

Amazing...out of all the replies to this post it seems hawdog is the only person who actually understood the idea.

This makes me sad as the idea isn't that complicated.

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Originally Posted by dahimi

Amazing...out of all the replies to this post it seems hawdog is the only person who actually understood the idea.

This makes me sad as the idea isn't that complicated.

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I feel so vindicated! you can imagine my frustration with the lack of understanding among the posters... while hawdog only partially gets the concept (as staying online does not add a new element to the game), I do feel better :-)

But I know when an idea is not wanted either because it is bad, or the customer is to simple minded; either way, it makes me a sad panda.

Yo guys maybe we should quit trying to bring less than good ideas to the table. SC is doing a great job at enhancing our clash of C experience. We should concentrate more on helping them making the game more player friendly. As for the "insurance" idea (its not that bad) , it is irrational to implement an idea that requires more smart thinking into a strategic game such as COC that 50% of the players cant completely understand as it is.

First if you want insurance, you can buy a shield. Or, put your TH out in the open a get 12 hour insurance. It's that simple. You can get insurance for up to 13 days if you buy the shields in a certain order. Also, I didn't see it on here, but I'm pretty confident that "insurance" has been ruled out by SuperCell, read this: http://forum.supercell.net/showthrea...rum-guidelines

Sorry but this just kills the aspect of the game, by building defence and protecting your loot

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Originally Posted by ceaaron98

We already have insurance...

Its called defense.

Upgrade them.

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:DNot even sure if I agree with you,but that was a good one!

Idk about this...

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Originally Posted by Figjam66

Yes yes we need insurance, also a gem mine that we can insure also would be great

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No this would be so stupid and the gem mine is already ruled out.

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Originally Posted by finni

I feel so vindicated! you can imagine my frustration with the lack of understanding among the posters... while hawdog only partially gets the concept (as staying online does not add a new element to the game), I do feel better :-)

But I know when an idea is not wanted either because it is bad, or the customer is to simple minded; either way, it makes me a sad panda.

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Finni, i, your goal in all this is to try to find a way to protect your resources from being raided by a stronger opponent who comes in and 3-stars you, right?

putting your townhall outside in a corner completely covered by decorations is the BEST way to do this. You will receive a huge influx if attackers who come just to destroy your TH then quit the attack. You end up only losing 1000 gold and elixir, that's it. This will happen more often than not. So forget about your insurance idea (which would actually cost you more that simply leaving your th outside) and just go into farming mode by doing this. Give it a try. Watch the positive results happen before your eyes. And most importantly, do not set up traps around your th.

Please look at the quote in my signature

Hi, I've made a thread with the same relative idea as this thread. I would like us to collaborate and discuss the direction our ideas could go. I'll link the thread below. I just found this thread after making my own thread a while ago. I'm in the middle of reading this thread, and I would love if you would read mine to discuss the insurance idea!

Thread Link Here:
http://forum.supercell.net/showthrea...05#post3331305