"I've never played this game before", "I'm not very good at this kind of game", "It's been a while since I played this game", or other ritual incantations invoked before play to reduce the damage to one's ego if one loses. Insurance is properly bought before play begins, but some fragile-egoed players will try to purchase it during or even after a game. Generous players may buy insurance for everyone by saying things like "This game involves a lot of luck" or "This is a nice, light game".