Difference between revisions of "Insurance"

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[[File:101389067_2918899538.jpg|thumb|250px|Lyle waiting outside to sell Insurance]]{{Cleanup}}
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'''Insurance''' is a way of compensating the [[player]] with [[Bells]] after adverse events in {{WW}}. It can be obtained from [[Lyle]] when he visits [[town]] each Saturday from 6 AM to 6 PM. There are two types of insurance: accident insurance and damage insurance.
'''Insurance''' can be obtained from [[Lyle]] in {{WW}}, who visits your [[town]] on Saturdays. Insurance can protect the [[player]] from [[bee]] stings and forged paintings, however, it is basically a scam. Forged paintings will only get the player 100 [[Bells]] from Lyle, but that is more than Tom Nook will pay for them (10 [[Bells]] per fake), bee stings are also only 100 Bells compensation. It costs 3,000 Bells and it is hard to make back the money lost by buying the insurance. However, you could make enough money to cover what was lost after 30 bee stings, or you could buy the King Tut helmet. By wearing the King Tut wig, you'll trip if you run. If you trip 30 times, you will receive the equivalent amount of bells you paid for the insurance.
 
  
Insurance only appears in {{WW}}. It does not appear in {{CF}}, since Lyle is now working for the [[Happy Room Academy]].
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==Accident insurance==
{| border="1" cellpadding="1" cellspacing="1" style="width: 200px; "
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The first time the player talks to Lyle, he will force the player to buy accident insurance for 3,000 [[Bells]] if they can afford it. This 'protects' the player from bee stings, as well as tripping (which can occur if the player wears the King Tut Wig or receives a bad fortune from [[Katrina]]). Lyle will send the player 100 Bells in the mail if either of these occurrences happen, but only one 100 Bell bonus can be achieved per day.
|Tripping
 
|100 Bells
 
|-
 
|[[Forged Painting]]
 
|100 Bells
 
|-
 
|[[Bee]] Sting
 
|100 Bells
 
|}
 
  
{{Stub}}
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==Damage insurance==
[[Category:Gameplay Elements]]
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After buying accident insurance, if the player talks to Lyle again on a subsequent Saturday, he will force them to buy damage insurance, which costs 6,000 Bells. Damage insurance offers some remorse if the player buys a [[Forgery]] from [[Crazy Redd]]; Lyle will pay 100 Bells if he is handed counterfeit art. However, the player must wait for the next mail delivery to actually receive the Bells.
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==Trivia==
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*If the player wishes to use Lyle to set or change the day in which Crazy Redd appears, they should approach Lyle with less than 3,000 Bells. Lyle will get angry ("bust his chops") at the lack of funds, but the player will not have to buy insurance.
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*A player needs to have over 30 accidents or buy over 60 counterfeit paintings to profit from purchasing insurance.
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{{Image|note=Needs images of Lyle selling the player both types of insurance.}}
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{{Gameplay Elements}}

Revision as of 02:29, July 11, 2020

Insurance is a way of compensating the player with Bells after adverse events in Animal Crossing: Wild World. It can be obtained from Lyle when he visits town each Saturday from 6 AM to 6 PM. There are two types of insurance: accident insurance and damage insurance.

Accident insurance

The first time the player talks to Lyle, he will force the player to buy accident insurance for 3,000 Bells if they can afford it. This 'protects' the player from bee stings, as well as tripping (which can occur if the player wears the King Tut Wig or receives a bad fortune from Katrina). Lyle will send the player 100 Bells in the mail if either of these occurrences happen, but only one 100 Bell bonus can be achieved per day.

Damage insurance

After buying accident insurance, if the player talks to Lyle again on a subsequent Saturday, he will force them to buy damage insurance, which costs 6,000 Bells. Damage insurance offers some remorse if the player buys a Forgery from Crazy Redd; Lyle will pay 100 Bells if he is handed counterfeit art. However, the player must wait for the next mail delivery to actually receive the Bells.

Trivia

  • If the player wishes to use Lyle to set or change the day in which Crazy Redd appears, they should approach Lyle with less than 3,000 Bells. Lyle will get angry ("bust his chops") at the lack of funds, but the player will not have to buy insurance.
  • A player needs to have over 30 accidents or buy over 60 counterfeit paintings to profit from purchasing insurance.


Redd NH Character Icon.png
This page could be improved with the addition of images.
You can help by uploading one or more images and including them on this page.
Further details: Needs images of Lyle selling the player both types of insurance.
Redd NH Character Icon.png
This page could be improved with the addition of images.
You can help by uploading one or more images and including them on this page.
Further details: Needs images of Lyle selling the player both types of insurance.