There have been a few ideas around insurance coming in to CP.



IMO the better solution is to tie the insurance end to the criminal. The karma system proposed by FD could neatly tie into insurance, with a decrease in proportion of insurance provided as karma decreases. Players that then kill the criminal may be able to claim whatever drop in insurance coverage the criminal took.



This would protect newer players by nature, as their karma wouldn't be low unless they were a naughty anyway, and all-importantly you've introduced no precedent regarding CMDR/NPC discrimination...I'm loath to see the game going "oh yeah, that was a player and not NPC, have some extra money".



But of course...this needs to be a part of a much bigger discussion. We are no longer being productive, and will not be, for as long as we discuss CP in terms of "well I don't like ganking and want to stop it like this".