An Insurance Loss Adjuster for many years, Martin 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 crestfallen but forced into continuing his day by the overly exuberant company secretary, who has scheduled several claims for Martin to validate. With a heavy heart, Martin sets off, but his day drastically goes from bad to worse with a catalogue of extraordinary and humorous encounters with a flirtatious elderly widow, a corrupt Doctor, a lascivious female escort, and a dead rat. It is only at the funeral of a client that Martin has an epiphany; and with the help of his unlikely friendship with a teenage thief and perhaps a sprinkling of Christmas magic, life suddenly changes in a truly remarkable way.