As part of his/her personality, a character may have an irrational fear of some situation or object. If this is the case, the character will try and avoid the situation or object. If he/she ends up in the situation or in close proximity to the object, he/she will have to make dice rolls against his/her WP+Trance to avoid succumbing to his/her fear.
The character points value depend on how common the situation or object that causes the phobia is:
| Frequency of occurance | cps value |
| Rarely (less than 10% of adventures) | -1 |
| Infrequently (approximately 20% of adventures) | -2 |
| Frequently (about 50% of adventures) | -3 |
| All the time (100% of adventures) | -4 |
Just how bad the phobia is, will also affect the character points award:
| Severity of phobia (and typical dice roll difficulties) | multiplier |
| Irrational fear (-3 to 3, depending on circumstance) | x 1 |
| Minor phobia (2 to 9, depending on circumstance) | x 2 |
| Major phobia (6 to 14, depending on circumstance) | x 3 |
Examples of possible phobias include:
| Agoraphobia (fear of open spaces) | Frequent |
| Claustrophobia (fear of enclosed spaces) | Frequent |
| Acrophobia (fear of heights) | Frequent |
| Fear of the dark | All the time |
| Fear of dogs | Frequent |
| Fear of cats | Infrequent |
| Fear of insects | Infrequent |
| Fear of people | All the time |
| Fear of fire | Frequent |
| Fear of all magic | Frequent |
| Fear of water (i.e. fear of drowning) | Infrequent |
| Fear of snakes | Rare |