"Are you sure you don't need that game insurance to get another game in case yours breaks?"
No, thank you. I am sure I'm not going to wash my cartridge, or eat it, or destroy it in any of the ways the insurance covers you. I might lose it, or get it stolen or it might stop working just because. But sadly, you already wrote in the policy I have to sign all the stuff that won't be covered and which is, casually, the most common.