insurance

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  • AT&T prepping MobileProtect insurance program for iPhone?

    by 
    Chris Ziegler
    Chris Ziegler
    05.28.2010

    Shots of some docs over on BGR have us believing that AT&T is on the cusp of launching a program called "MobileProtect," but don't be fooled by the fancy name -- this is basically an Asurion-operated handset insurance plan just like any other, the only real difference being that it's for the iPhone and offered directly by the carrier. Interestingly, it seems that you'll buy the protection through the App Store of all things, automatically billing the credit card that you've got on file with Apple, but you'd better really want the protection because it's going to run $13.99 a month. Oh, and you'll have to pay a $99 deductible to fix an 8GB 3G, scaling up to $199 for a 32GB 3GS. To put that in perspective, that means it'll cost you $367 to replace an insured 32GB 3GS after a year of coverage, at which point you'll say "well, I'd rather have an iPhone 4 anyway" and shell out $200 with an upgrade pull-ahead. Yeah, call us jaded.

  • EVE Evolved: Insurance evolved

    by 
    Brendan Drain
    Brendan Drain
    04.25.2010

    The EVE Evolved column hits its second anniversary in two days on April 27th. To celebrate, last week I gave readers the chance to win an expensive faction battleship of their choice worth around 500 million ISK. You submitted a horde of great ideas for future column posts, which I whittled down to a final list of 49 fantastic ideas that would really suit the column. It was really tough to find one topic amongst them all that I liked best and wanted to write up first. Congratulations go to Massively reader Nanoko for making my personal favourite suggestion. In addition to winning a faction battleship, Nanoko's winning idea forms the basis for this week's anniversary edition of the column on the upcoming insurance changes and the impact they'll have on EVE. Special mention goes to Massively reader Aimlis who came up with a similar idea. It was unfortunately a little too close to Nanoko's suggestion, which came first. Nanoko has been contacted to arrange receipt of the prize! At the end of March, CCP announced that the Tyrannis expansion would include a wave of changes to ship insurance. Currently, players receive insurance payouts for losing a ship based on the value of the minerals that went into its construction. The mineral values used in this calculation are as old as EVE Online itself and over the years have slowly dropped out of step with market prices. As a result, Tech 1 ships are almost free to lose under the current insurance scheme while Tech 2 and 3 losses are barely compensated for at all. Once Tyrannis hits, CCP will periodically adjust the mineral prices used in insurance calculations based on a weighted average of market prices across EVE. This has huge implications for PvP, the composition of fleets and the mineral market. In this speculative opinion piece, I examine the effect the insurance changes could have on everything from ships used in PvP to the mineral market.

  • EVE Online ship insurance changes to come with Tyrannis

    by 
    Brendan Drain
    Brendan Drain
    03.30.2010

    EVE Online's insurance system has been a hot topic of debate over the years. Under the current system, ships have a fixed base value calculated according to the minerals used in their production. Platinum insurance costs 30% of this base value for three months worth of coverage and if the ship is destroyed in that time, 100% of the base value in ISK is deposited into your wallet. It's a safety net designed to lower the cost of losing ships and promote PvP. The main drawback of the system is that the values it uses for minerals are fixed and haven't changed since EVE came out in 2003. The prices of the various minerals that go into a ship have changed drastically over the years but insurance costs and payouts have remained constant. Skip past the cut for a breakdown of the problems with the current insurance system and details of CCP's new plans.

  • Jellyvision suing Aflac over 'You Don't Know Jack' parody

    by 
    Griffin McElroy
    Griffin McElroy
    01.28.2010

    Now, see, we were pretty certain that nobody was still working for Jellyvision -- however, we wouldn't be willing to risk a pricey copyright infringement suit over that assertion. According to the Columbus Ledger-Enquirer, Aflac recently drew the ire of the developer by designing a new web-based promotion titled You Don't Know Quack. Jellyvision now seeks a court order to prevent Aflac from trademarking the title, as well as monetary damages. Hopefully, if the studio wins, they'll spend said damages on developing a new You Don't Know Jack, and not, you know, yachts. However, we really don't see the similarities between the two games. One is a hilarious and entertaining series of trivia games, and one is an interactive commercial featuring that talking duck which has never, ever, ever been funny. [Via Gamasutra]

  • Earthrise developers seeking player input

    by 
    James Egan
    James Egan
    10.01.2009

    Players having more input or control over the games they play is an interesting direction some MMO companies are taking. While not every company will establish something structured as EVE Online has with the Council of Stellar Management or (as Massively reader Se7en pointed out yesterday) Star Wars Galaxies has with its Galactic Senate, the simple fact that game developers are making efforts to allow more player input is encouraging. Masthead Studios is a newcomer to the MMO scene with Earthrise, a far future post-apocalyptic title, but already they're showing an interest in getting player feedback as they develop the game. The devs at Masthead will now have a "Community Consensus" on the Earthrise forums which brings up key issues with the game's design, to learn how players feel about these aspects of the title. It's not clear yet exactly how much input the players will really have on Earthrise but if the devs are willing to listen to the playerbase, we'd say this is a step in the right direction. The first Community Consensus deals with an issue that will likely be hotly debated -- adding additional incentive for player killing, with greater benefits at higher levels of notoriety.

  • To AppleCare or not to AppleCare -- that is the question

    by 
    Sang Tang
    Sang Tang
    07.20.2009

    The following is a re-enactment of the mysterious and sudden failure of Megan Lavey's MacBook. It was the evening of Tuesday, July 14, 2009. Megan Lavey heads out to the movies to watch the eagerly anticipated Harry Potter and Half-Blood Prince. But the excitement of the night was short lived. Upon her arrival home, Megan found her MacBook in an unconscious state. She tried several attempts to revive it: plugging it and unplugging it, removing and reinserting the battery, as well as performing an SMC reset. However, these attempts proved futile. In a last ditch effort, Megan made an emergency visit to her local Apple store to meet with a genius. They had both good news and bad news. The good news was that they identified the problem with her MacBook (the logic board) and could save it, but -- and here comes the bad news -- could cost up $750 to repair. What's worse, Megan didn't have AppleCare coverage. In a state of shock and sadness, Megan leaned on the shoulders of her fellow TUAWers, each of whom offered words of encouragement her: Chris Rawson: "My wife's mid-2007 MacBook is having the exact same issue right now. Luckily, it's covered by AppleCare, and going to the local repair place ASAP." Erica Sadun: "":( :( :("" Sang Tang: "Hey, this would make an interesting post. I'm going to write something on this." There are many Megans in the world, and each is faced with the difficult task of deciding whether or not a repair is worth its cost. It's also times like these that one regrets not purchasing AppleCare, for often times repair costs outweigh the cost of AppleCare. And this raises the question. Should you purchase AppleCare? Several months back, TUAW's Robert Palmer penned a piece on why he believes AppleCare is worth it. This post expands upon that and provides examples of when AppleCare is and isn't justified.

  • Saved from a ticket by an iPhone

    by 
    Mel Martin
    Mel Martin
    01.31.2009

    A lot of days the iPhone is a big help in getting us through our lives, but it's not everyday an iPhone saves one of our readers from a world of County Sheriff hurt.TUAW reader Paul tells us he was driving on a Midwestern road covered with blowing snow. He slowed down for a car stopped on the side of the road, but the car behind him hit his rear bumper, doing damage to both cars.The officer who arrived to investigate asked Paul for his insurance card. Of course, that was when Paul realized it had expired the month before, and he didn't have the latest card in his wallet. The officer said it would be $200 for not being able to prove insurance coverage, and since Paul didn't have the cash it meant putting his license up for bond.While the officer was doing the paperwork, Paul used his iPhone to log into his Geico Insurance account via the web. He was able to request a PDF copy of his card, which was emailed to his iPhone; then he displayed it to the officer. Happily, the deputy accepted the card as proof of insurance and did not issue the citation. I expect most police agencies wouldn't be so open to the idea of looking at a downloaded document, but in this case, at least, it is yet another reason to love the iPhone. Thanks Paul!

  • YouPlayorWePay under "reconstruction"

    by 
    Mike Schramm
    Mike Schramm
    01.24.2009

    This could be the end of the strange story of YouPlayorWePay.com -- or a new beginning. We posted about the site when it first appeared, and even interviewed the founders, but apparently they've decided to make some major adjustments to the site, as it's now down for "reconstruction." A forum post by George Tung says that they are not only redesigning the site, but "re-doing our whole concept." One of our tipsters suggests that Blizzard legal may have gotten involved, but that seems unlikely -- Tung also posts that "when we are done, there will not be any more concerns about our service not being worth or if what we are doing is legal."So there you have it. We'll have to see what they've got in store for us (though, of course, there's a chance the site may not return at all). Lots of people have had questions and concerns about the concept behind this site from the beginning, and we remain curious to see how this "reconstruction" will answer them.Thanks to everyone who sent this in!

  • WoW Insider interview: You Play or We Pay founders

    by 
    Mike Schramm
    Mike Schramm
    01.16.2009

    George Tung and Milos Golubovic have known each other for years, and been Blizzard fans for a long time as well. Around the launch of the Burning Crusade, like many WoW players, they were having issues with queues and server outages. They'd come home at night after work and want to play, but either be locked out of the realm with a queue or not be able to sign on at all. And now, they're aiming to help other players in the same situation, by offering a controversial service on their new site YouPlayorWePay.com.When we posted about the site earlier this week, a lot of readers cried foul. The site's business plan (players pay a fee every month, and then are compensated back money (sometimes more, sometimes less than they originally paid) when their realm is full or suffers downtime. Lots of our commenters called the site a scam (a few of them even suggested, incorrectly, that it was a phishing site), and they all wanted to know more: how could these guys get away with asking for a fee and taking people's money on the promise that they might get some back?And so, when Tung and Golubovic contacted us at WoW Insider, we were anxious to put those questions to them directly. Were they able to justify the service they're providing (and maybe show Blizzard just how compensation should be done), or are they just trying to take advantage of people already losing gameplay to downtime? You can be the judge -- our exclusive interview is right after the break.

  • Pirates of the Burning Sea's economic stimulus package

    by 
    Shawn Schuster
    Shawn Schuster
    01.10.2009

    Over at Flying Lab, they're doing their part to make Pirates of the Burning Sea an enjoyable and balanced game. It's their job! So in a recent developer log, we get word of a revamp to the economy through streamlining items, structures and the recently introduced insurance for ships.This will all be accomplished through an extensive process of removing redundant crafting items in provision making and ship building, plus a readjustment of how insurance will work. What do you do with all of those obsolete items in your inventory? Luckily, they've created a merchant who will turn any obsolete good into its base raw material. Check out the lengthy developer log for complete information on what they plan to change.

  • EVE Evolved: The cost of failure

    by 
    Brendan Drain
    Brendan Drain
    10.12.2008

    The harsh death penalty in EVE Online is something that's talked about a lot. I even touched on the issue myself when I compared EVE Online's style of PvP to Age of Conan and when I investigated the phenomenon of suicide ganking. In EVE, your ship being destroyed means millions of your hard-earned isk is flushed down the drain. If you're unlucky enough not to get away in your escape pod, you'll be killed and recloned, costing yet more isk and destroying any expensive implants in your head. The brutal death penalty associated with PvP in EVE is responsible for putting a lot of players off playing the game but is the taste of death really as bitter as people make it out to be?In this article, I examine the cost of defeat in PvP and how to minimise these costs without ruining your PvP performance.

  • EVE Evolved: The cost of failure, part 2

    by 
    Brendan Drain
    Brendan Drain
    10.12.2008

    As before, this doesn't hold true in EVE Online, where the quality of equipment is a relatively small factor in the outcome of PvP. The main factor in the outcome of PvP is skill, and not the type on your character sheet. Joining a good player corporation that specialises in PvP and learning from them will provide a bigger boost to your effectiveness in PvP than equipment ever could.

  • The 10 Commandments of EVE

    by 
    James Egan
    James Egan
    08.28.2008

    EVE Online tends to appeal to MMO players who like the depth and complexity of a sci-fi game where players have the freedom to act as they wish in a vast galaxy. But that freedom comes with a price; EVE can be a harsh setting, particularly for newer players trying to get a handle on the game. For the newer player who's recently completed the tutorial, EVE largely remains a mystery... one which only reading, learning from other players, and just 'going for it' can solve. Still, it's always good when someone passes on advice to newer players as many of us learned our lessons the hard way. To that end, we bring you The 10 Commandments of EVE. Truth be told, there are a lot more than ten essential things to know about the game, but this is a good start. Feel free to add your own "commandments" or lessons learned in the comments below. Behold The 10 Commandments of EVE >> %Gallery-30634%

  • EVE Visual Guide: Before you undock

    by 
    James Egan
    James Egan
    08.21.2008

    There are a few essential things any pilot in EVE Online should do before they undock from a station and get themselves into a potentially hostile situation. Come to think of it, anytime you undock there's at least some chance of hostility. Keeping that in mind, think of this as a visual checklist you should go through before entering space, as you're not only risking your ship, but your skillpoints if you bite off more than you can chew. This happens all too often, to novice and veteran pilots alike in EVE. So to help you avoid this fate... Head to the guide >> %Gallery-30109%

  • EchoStar nets $41-million adjustment for AMC-14

    by 
    Steven Kim
    Steven Kim
    08.05.2008

    How's this for a silver lining to a cloud? EchoStar picked up a $41-million insurance claim for its winged bird, the AMC-14. Sure, a loss like that is always hard, but it's safe to say that with the successful EchoStar XI launch, DISH has picked itself right up again (we're sure the insurance check helps ease the pain, too). But most importantly from where we stand, the AMC-14 mishap hasn't really slowed down DISH HD rollouts. Now, if only something could be done about the company's declining subscriber rolls.

  • Progressive MyRate drive-monitoring device goes national

    by 
    Nilay Patel
    Nilay Patel
    06.28.2008

    Progressive insurance has been testing out the MyRate driving monitoring system for a few years now (it used to be called TripSense), but it's finally taking the system national, bringing pay-as-you-drive insurance into the mainstream. The little blue box plugs into your car's ODB II diagnostic port (all cars made after 1996 have one), and studiously records your driving habits, wirelessly sending the data back to Progressive HQ (it's not clear exactly how). Every six months, Progressive will crunch the numbers and issue a new rate for you based on how you drive -- savings of up to 40 percent are possible. That's pretty tempting, depending on your current rates and driving habits, but we're not so sure we're willing to share that much data for an unspecified discount -- especially since we're confident the MyRate box will get cracked almost immediately.[Thanks, Mike; image courtesy of Aaron Landry]Read - MyRate press releaseRead - MyRate videoRead - How MyRate works

  • PotBS 1.4 patch survey results and what players can expect in 1.5

    by 
    Matt Warner
    Matt Warner
    06.23.2008

    Flying Lab Software makers of Pirates of the Burning Sea listen to their players, the developers really do! A player survey went live shortly after the1.4 patch, and after a few weeks of data-mining the feedback FLS is responding in a big way. In this latest dev-log by Joe Ludwig, Producer for PotBS, 55% polled in the survey said they prefer to focus their playing time on PvP, 58% from that group said that most of that time is spent on missions or economic activities. Developer logs show that players are repeating high level missions to afford ships and outfitting for PvP gameplay. To address this "time-sink" an insurance system will be added in the 1.5 patch. This means players will receive 90% of the minimum production cost and permanent outfitting when losing their ship. The other deterrent to keep players from PvP is the itemization gap. Starting in 1.5 all permanent outfitting is player-craftable, including green items and will also undergo balance changes. With these two barriers alleviated PvP will become more accessible to a broader audience.

  • Wii Fit tagged with an expensive, undeserved bill

    by 
    philip larsen
    philip larsen
    06.16.2008

    A poll from the UK insurance firm Sheilas' Wheels analyzed the exercise habits of women, and the potential disaster area that has become their homes. Despite the initial "ZOMG Wii Fit destruction!" outcry from the mass media, the details of the poll really don't have much to do with Nintendo at all.The general response criticizes massive damage caused by these women knocking over junk as they worked out on Wii Fit. On average, £6.55 per person was the estimated dollar (that is, pound) value of destruction, or a whopping £20 million worth total. Wii Fit, you've got some 'splaining to do!Or, not. Wii Fit isn't responsible for the damage at all, and the original release from Sheilas' Wheels merely mentions the popularity of Wii Fit and Nintendo in general -- then immediately states the most popular home exercise method is watching an instructional video or DVD. Sure, the Wii has been responsible for some breakages in the past, but tacking the £20 million sum anywhere near the Balance Board is just poor form. Read over the official Sheilas' Wheels news article before subscribing to the Wii Fit Angry Mob newsletter.Finally, the results explain that the survey was conducted to gather home damage estimates over the past year. Wii Fit has only been out in the UK for a month. The math doesn't add up, and a genuine attempt to gather information on home exercise routines has been misrepresented. Besides, if Wii Fit was solely to blame, what have the women been doing to smash up their stuff during the 11 months before it was released? If you guessed cleaning the kitchen, sewing and baking cookies for the men, you would be correct.%Gallery-4745%

  • Aviva USA uses Second Life for training, education

    by 
    Tateru Nino
    Tateru Nino
    06.06.2008

    Aviva USA, part of Aviva plc, the fifth-largest insurance group in the world wants its agents to get together on their new island in the virtual world of Second Life. Not for the public, the plan is to use Second Life as a recruitment, education and training tool for life insurance and annuity agents, as Aviva joins the growing throng of companies using Second Life for communication and education. Agents who want to get access to Aviva's private island can call toll-free 800-801-1486, option 1, extension 2396. 'Second Life provides Aviva with a rich environment for connecting with agents,' said Mark Heitz, president of sales and distribution for Aviva USA. 'Aviva's product innovations are aided by technology, and we think an island in Second Life is one way to use technology to help agents learn about Aviva and our products.'

  • Rogue Signal: The unwritten rules of EVE PvP, part 1

    by 
    Phillip Manning
    Phillip Manning
    04.27.2008

    EVE Online is a PvP driven game. It is not merely PvP oriented, nor does it only contain strong PvP overtones. The game, its politics, and its economy, are all controlled by the ever-present PvP that takes place. No matter your path in EVE, you are participating in PvP, be it through market competition with another trader, competition for ore rights with another miner, or the time-honored tradition of turning your opponent into space dust. Staying out of the PvP environment requires a conscious effort. Even the most casual PvE enthusiast is contributing to PvP by selling loot or minerals, and may well become the target of some non-consensual combat. Suffice to say, even though this guide will have some things that will apply only to those looking for a fight, there is something for everyone, since you will get killed, someday. Ignoring these bits of advice is a surefire way to make that inevitable ship loss that much more painful. Also, bear in mind that each and every one of the things I am going to cover here is something that I myself have done in the past. This is not just a guide for noobs, but also a cheat sheet for those of us who get so busy preparing the bigger picture battle, that we forget things that end up making us look like total noobs in the end.