The Loss Adjuster

Movie review by
Kat Halstead, Common Sense Media
The Loss Adjuster Movie Poster Image
Festive dramedy has mild language, sexual references.
  • NR
  • 2020
  • 100 minutes

Parents say

age 12+
Based on 1 review

Kids say

No reviews yetAdd your rating

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A lot or a little?

The parents' guide to what's in this movie.

Positive Messages

Good people are ultimately rewarded. Material possessions do not bring happiness.

Positive Role Models

The main character, Martin, lives an honest life and is empathetic and helpful toward others. Those around him possess negative qualities, such as lying, stealing, and having affairs -- although often the movie shows a good side to these characters as well.


A character is mugged, though no physical violence is used. An elderly character dies on screen and there is mention of the loss of partners and a child. Characters attend a funeral. There is a near-miss between two cars.


Characters are seen naked in bed following intercourse, but no full nudity is shown. A sex worker makes mild sexual references. There is flirting and a kiss under the mistletoe. A character strips and walks the streets in just a t-shirt, tie, underwear, and socks.


Occasional use of "s--t" and "s--tty." More frequent use of "bastard," "bugger," "piss," "bint," "tosser," "bent," and "bloody." "Jesus" is used as an exclamation.


There is mention of debt, credit cards, and overdue household bills. But the overall message is that material belongings do not bring happiness.

Drinking, Drugs & Smoking

Characters drink alcohol in pubs and at home -- including beer and whiskey -- but are not seen drunk. Prescription pills are consumed. A cigarette is rolled but never smoked.

What parents need to know

Parents need to know that The Loss Adjuster is a British Christmas comedy drama that deals with quite adult themes including death, financial issues, affairs, and criminal activities. Deep in debt and with his wife having recently left him, Martin Dyer (Luke Goss) is at rock bottom. But with the help from an unlikely friend and a renewed positive attitude, Martin begins to find hope. The movie features some strong and frequent mild language including "s--t" and "bastard." A death is shown on screen and there is a scene with a funeral. Alcohol is consumed, but not excessively. There are mild sexual references, and a couple is shown in bed, naked under the sheets, presumably having just had sex. There is also a character who is a sex worker. It doesn't paint life in black and white but shows some characters who engage in illegal activities to also have good qualities. Although many of the situations in the movie are serious, there are some warm and funny moments to lighten the tone.

User Reviews

  • Parents say
  • Kids say
Adult Written byJaehawk December 10, 2020

Cracking British Fllm

I really Enjoyed this from start to finish and not what I expected.
A cracking black comedy with superb cast.
Luke goss was superb!
A must see !!!

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What's the story?

In THE LOSS ADJUSTER, Martin Dyer (Luke Goss) wakes up to discover his wife, Angie (Kym Marsh), is leaving him, while his unpaid bills are piling up higher than ever. As he sets off for a day of work -- meeting clients to check their insurance claims -- his day gets more and more difficult with advances from a generous widow, an encounter with a furious gardener, and a run-in with a teen thief. But gradually Martin learns the truth about his own marriage and begins to understand that sometimes it takes losing everything to finally be free.

Is it any good?

The Loss Adjuster, though very much set in reality, has a slight sense of magic to it, ensuring it's a respectable addition to the long list of movies that try to teach the true meaning of Christmas. It's bookended with a story about a rich man who falls from a plane, losing all his material possessions yet is found smiling as he hits the ground. It's an allegory that mirrors that of central character, Martin, played by Goss. Martin is the archetypal everyman ­-- put upon and uninspired, yet also kind and warm. He's not the funny one or the charming one, but he sure is the good one, which makes him easy to root for.

Though much of the movie is about difficult encounters, there are fleeting moments of connection that sparkle even more brightly amid the workaday drudgery. Joan Collins makes a typically glamorous appearance as a rich widow looking to make Martin her fancy man, and Martin Kemp proves an enjoyably unthreatening criminal mastermind along with his sweet-natured son, Sam (David Byrne). Moments of physical comedy and nimbly written exchanges add a lightness to a plot that may have felt somewhat gloomy were it not for our faith in the festive setting to produce some Christmas magic and bring us a happy ending.

Talk to your kids about ...

  • Families can talk about what Martin learns during the course of The Loss Adjuster. What lessons does he learn? How does what he learns make him happier?

  • Think about some of the characters that do bad things in the movie. Do they also have any positive aspects to their personality? Discuss the idea that people can both do good and bad.

  • Talk about the language in the movie. Does it seem necessary or excessive? What does it contribute to the movie?

  • How does Martin's experiences reflect the allegory mentioned at the beginning and end of the movie?

  • How does this movie compare with other Christmas movies you've seen? Are there similarities?

Movie details

Our editors recommend

For kids who love movies about the holidays

Character Strengths

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Themes & Topics

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