Difference between revisions of "Item Insurance"

m (→‎See Also)
m (Item insurance moved to Item Insurance over redirect)
(No difference)

Revision as of 08:23, 16 December 2009

Item Insurance is a game mechanic introduced with the Age of Shadows expansion, when the game became more item-based, and losing an item was tantamount to losing a skill under the old system. Items which are actively being protected with this mechanism are given the Insured item property.

For a fee (600 gold pieces per item under most conditions, 300 gold pieces per item in PvP combat), the insured item will stay with the character upon death. Upon resurrection, the item will be in the character's backpack.

Each time the character is resurrect, the item must be re-insured unless the "auto-renew" option has been selected, which is disabled by default.

Item Insurance and the auto-renew option can be accessed via the character's context menu.

In PvP combat, the killing character is awarded an "Insurance Bounty" of half of the money the losing character spent on insurance. In this manner, it becomes possible for a character to make a living from PvP alone, despite the lack of loot in most instances.

See Also

Item Properties
Stat Modifiers

Dexterity Bonus • Hit Point Increase • Intelligence Bonus • Mana Increase • Stamina Increase • Strength Bonus

Regenerations

Hit Point Regeneration • Mana Regeneration • Stamina Regeneration

Hit Effects

Assassin Honed • Blood Drinker • Battle Lust • Hit Cold Area • Hit Curse • Hit Dispel • Hit Energy Area • Hit Fatigue • Hit Fire Area • Hit Fireball • Hit Harm • Hit Life Leech • Hit Lightning • Hit Lower Attack • Hit Lower Defense • Hit Mana Drain • Hit Mana Leech • Hit Physical Area • Hit Poison Area • Searing Weapon • Splintering Weapon • Hit Stamina Leech

Historic

Ruin • Force • Might • Mystic • Power • Vanquishing • Newbified

Damage Types

Physical Damage • Fire Damage • Cold Damage • Poison Damage • Energy Damage • Chaos Damage • Direct Damage

Magic

Casting Focus • Faster Casting • Faster Cast Recovery • Lower Mana Cost • Lower Reagent Cost • Mage Armor • Mage Weapon • Resonance • Spell Channeling • Spell Damage Increase • Spell Focusing • Spell Consumption

Weapon

Damage Increase • Swing Speed Increase • Use Best Weapon Skill • Weapon Speed • Hit Chance Increase

Archery

Balanced • Damage Modifier • Lower Ammo Cost • Range • Velocity

Death & Theft Blessed • Cursed • No-Drop/No-Trade • Insured • Owned By
Damage Dealing

Damage Eater • Rage Focus • Reactive Paralyze • Reflect Physical Damage • Soul Charge

Other

Artifact Rarity • Defense Chance Increase • Durability • Elves Only • Enhance Potions • Gargoyles Only • Lifespan • Lower Requirements • Luck • Mana Burst • Mana Phase • Night Sight • Self Repair • Shard Bound • Skill Bonus • Strength Requirement • Uses Remaining • Weight

Negative

Antique • Brittle • Cursed • Ephemeral • Prized • Massive • Unwieldy • Unlucky •

Retrieved from "https://www.uoguide.com/index.php?title=Item_Insurance&oldid=38243"