The gamesmaster can apply the standard Risk test to any situation where characters are attempting something that puts them in physical danger. Some typical instances are given here. Many physically dangerous actions are not covered by skills and characters with appropriate skills do not need to take certain Risk tests.
The Risk test is taken in the same way as other tests, but the character has a standard 50% chance of success. This can be adjusted by the GM if it is reasonable to do so, but 50% can be thought of as average.
A failed Risk test always causes D3 points of damage. No reduction is made for armour or shields. The GM may allow the effects of protective magic and skill-based modifiers to reduce damage in certain circumstances.