Insurance - Game Industry

[academicomr]

Hello everyone,

With an high amount of hacks and scam schemes, players, who have considerable amounts invested in their games and items, have their belongings exposed.

As you might know, Steam (and probably other DRM) does not refund the value regarded items or wallet balance that were lost/stolen.

I would like to know your opinions and thoughts about online gaming insurance.

[Updated]
I've been searching about this subject and I found that in China they have implemented this type of insurance[www.chinadaily.com.cn].

And also Metal Gear Solid V, implemented a base insurance system[www.polygon.com] that players pay with real money to protect their ingame items. (but in this case I believe does not involve an insurance company). In this case it depends on the game functionalities since it is possible to steal.

I do not think it's an unreasonable idea at all. What are your thoughts about this?

Thank you

[Danksama]

Falling for a scam is the fault of the person who was scammed, so they shouldn't get some sort of insurance compensation

[[LTT] LinusFTW]

Originally posted by Danksama:

Falling for a scam is the fault of the person who was scammed, so they shouldn't get some sort of insurance compensation

I agree.

[76109108007942031]

Isn't needed for the time being, Steam is practically fool-proof with how much security it has and I can't see anyone buying insurance for their products (unless you're talking about free insurance).

[ErickaUnlimited]

It isn't needed. As mentioned above, you have to try really hard to be scammed through Steam with all the excessive security they have on your account. A little common sense and reasoning and you'll never be scammed.

[academicomr]

Originally posted by Danksama:

Falling for a scam is the fault of the person who was scammed, so they shouldn't get some sort of insurance compensation

What if the player is not scammed/phished but instead victim of hacking scheme (e.g. man-in-the-middle) while playing the game in public place (e.g. bar, lan-houses)?

[Danksama]

Originally posted by academicomr:

Originally posted by Danksama:

Falling for a scam is the fault of the person who was scammed, so they shouldn't get some sort of insurance compensation

What if the player is not scammed/phished but victim of hacking scheme (e.g. man-in-the-middle) while playing the game in public place (e.g. bar, lan-houses)?

Surely then the victim can attempt to take some sort of legal action against the establishment where this took place for not sufficiently protecting them as a customer? How often does this sort of thing even happen that such insurance is necessary?

[academicomr]

Originally posted by Danksama:

Originally posted by academicomr:

What if the player is not scammed/phished but victim of hacking scheme (e.g. man-in-the-middle) while playing the game in public place (e.g. bar, lan-houses)?

Surely then the victim can attempt to take some sort of legal action against the establishment where this took place for not sufficiently protecting them as a customer? How often does this sort of thing even happen that such insurance is necessary?

According to Valve they had more than 77,000 accounts hijacked each month. (link updated)

Im not sure if they have those values updated since they implemented more security functionalities.

[Radene]

As long as it's not handled by the same folks who do health insurance in USA.

[academicomr]

Originally posted by Sir Illic:

Isn't needed for the time being, Steam is practically fool-proof with how much security it has and I can't see anyone buying insurance for their products (unless you're talking about free insurance).

If your account was worth a few hundred or thousands, would not you be willing to pay insurance for a symbolic amount to protect the account content against hacks?

[Evangeline]

naw. getting scammed with all these security measures valve put in to protect u is like getting scammed by a nigerian claiming hes a lawyer and has one quantillion dollar waiting from some long dead grand grand grand grand uncle you never heard of, if you just give him your personal data and all financial data.

its not valves fault, its yours.

id rather see (or know because i have no idea how valve handles this)these kind of insurance measures in place if you loose stuff because of something that is out of your control. for example when valves servers go to ♥♥♥♥ for some reason, or when valve themself suffers from a hack.

[Lusus Symphonia]

Originally posted by academicomr:

According to Valve they had more than 77,000 accounts hijacked each month. (link updated)

Im not sure if they have those values updated since they implemented more security functionalities.

Hackers need information, idiots give information thus idiots lose their account.

[academicomr]

Originally posted by Red Monk:

Originally posted by academicomr:

According to Valve they had more than 77,000 accounts hijacked each month. (link updated)

Im not sure if they have those values updated since they implemented more security functionalities.

Hackers need information, idiots give information thus idiots lose their account.

If you crash your car, do you consider yourself an idiot or the other one involved? Or it was just an accident? :)

I understand your point, as many others said, but we need to have a point of view that not everybody has the expertise to understand if they are being scammed or not.

[Lusus Symphonia]

Originally posted by academicomr:

If you crash your car, do you consider yourself an idiot or the other one involved? Or it was just an accident? :)

I understand your point, as many others said, but we need to have a point of view that not everybody has the expertise to understand if they are being scammed or not.

That has nothing to do with giving your personal information away.

[Thatbrownmonster]

Originally posted by academicomr:

Originally posted by Red Monk:

Hackers need information, idiots give information thus idiots lose their account.

If you crash your car, do you consider yourself an idiot or the other one involved? Or it was just an accident? :)

I understand your point, as many others said, but we need to have a point of view that not everybody has the expertise to understand if they are being scammed or not.

what does that have to do with giving personal information?
when using public spots you can't be sure if it dosen't have key loggers or anything
soo don't be a idiot and put passwords and credit card information when using that wi-fi/computer

[academicomr]

Originally posted by Red Monk:

Originally posted by academicomr:

If you crash your car, do you consider yourself an idiot or the other one involved? Or it was just an accident? :)

I understand your point, as many others said, but we need to have a point of view that not everybody has the expertise to understand if they are being scammed or not.

That has nothing to do with giving your personal information away.

There is several ways to "give" your personal information away. Don't just think in a "question\answer" example. You could download and install a fake update for the Steam. When login into your account your data would be sent to the hacker.