Some people are luckier than others.
When the character is created, the DM secretly rolls 1D6 to establish their luck. Add 1 point if the character is lower level than the rest of the party.
When a character suffers a significant negative effect, such as death, loss of something valuable etc, the player may test his luck.
The player rolls 1D6, and if the score is equal or under the secret luck score, he avoids the effect through some miraculous manner: Petrifying gas merely knocks the hero out, a killing blow knocks him unconscious and so forth.
However, this reduces the players Luck score by 1 point.
Luck is replenished only when levelling up, which adds 1 point of luck to the pool.
Got any ideas or feedback for using Luck? Leave a comment!