Martin Dyer is a very ordinary man with a very ordinary life. An insurance Loss Adjuster for many years, he spends his time assessing other people’s problems and ignoring his own. His wife Angie aspires to greater things and when finances hit rock bottom, she leaves him for a suave loan shark one week before Christmas. Martin is crest fallen but forced into continuing his day by the overly exuberant company secretary, who has scheduled several claims for Martin to validate.