Chani's Insurance Company

So this isn't the first insurance company on ECC, but after several griefings and deaths I thought about it and looked it up on forums, there are only a couple but they don't really seem to be very active and I thought since I'm on here all day long why don't I do something useful.

House Insurance:

If you want house insurance, it will cost 8k for 1 house/plot, then 2k for every one thereafter.
If your house/plot is griefed you will need to have it investigated, and the user will have to be banned, then link me to the ban report. [this is to stop people getting friends to grief them]
I will also want to know what was taken as I'd like to keep record of everything.
I will pay you 75% of whatever was taken, this needs to be confirmed by an investigator but preferably a mod, but should be able to be included on a ban report so that's fine.

Horse Insurance:

Should you have a horse you'd like to be insured, it will cost 7k, and then 2k for every horse thereafter.
If your horse is stolen or killed, as mentioned before you need to hire an investigator who can confirm with me what's happened.
In the event of horse insurance needing to to be cashed in I will give you 75% back of the price of your replacement horse [at a max of 10k for the cost of a horse] I will also need evidence of the purchase.

Life Insurance:

For life insurance it will cost 10k.
As always I will need evidence of your death, so please please make sure you remember evidence if you die, as I tell you now, I will not make exceptions, no evidence = no transaction (sorry).
Life insurance will cover only what is in the 9 boxes of your hand and your exp.
I will pay 75% of your losses and for lost exp I will pay $800 per 30 levels.
(If exp is more or less than 30 I will work it out to order)

Town Insurance:

For town insurance it will cost 50k for a town and then 20k for every town thereafter.
Towns must me owned by the same player to come under the same insurance.
This is essentially the same as house insurance, but for a much bigger scale.
- Copy from House Insurance
[If your house/plot is griefed you will need to have it investigated, and the user will have to be banned, then link me to the ban report. [this is to stop people getting friends to grief them]
I will also want to know what was taken as I'd like to keep record of everything.
I will pay you 75% of whatever was taken]

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Small print:

If you make a claim, for new insurance your premium will go up by 25%, so for every claim you make it will cost 25% more to be insured next time. This is to defer fraudsters.

Every claim is different and I will make sure I can help you as much as possible so please message me as soon as something happens that inflicts on your insurance.
I have investigators that I use regularly, so please try to message me and I'll send them your way.

Life insurance cannot be claimed by PVP deaths.

Horse Insurance pay back rates will be deducted if the horse(s) are not kept in adequate holdings, if you are unsure as to their quality pm me and I'll check it out.
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My username is chanimeryl so pm me in game or leave a reply to this if you're interested.

I look forward to hearing from you. ))))

 

It's mainly to encourage people to get multi-horse insurance, so that way you pay, say 10k for insurance and end up getting back more. But I see your point and will lower the price for single horse insurance.

Thanks for the feedback