
The narrative revolves around a wealthy man, Mottram, who holds a unique insurance policy with the Indescribable Company, which offers a substantial payout upon his death, whether by natural causes or suicide. The story begins with a satirical exploration of the insurance industry, particularly focusing on the absurdities of the Euthanasia policy, which guarantees financial benefits to the insured's heirs if they die before a certain age, while also providing an annuity if they live beyond it. Mottram, who is in his sixties, visits the Indescribable offices to discuss his health after receiving a grim prognosis from a specialist, who predicts he has only two years to live. This revelation leads him to contemplate the implications of his insurance policy and the fate of his wealth. He expresses a desire to withdraw from the policy, proposing a deal to the company that would allow him to reclaim half of his premiums if he dies before reaching sixty-five, while forfeiting any benefits if he lives beyond that age. The plot thickens when Mottram is found dead in a hotel room at the Load of Mischief, with the circumstances surrounding his death raising suspicions of foul play. The room is locked from the inside, and the gas is turned off, leading investigators to consider both suicide and murder. The narrative follows Miles Bredon, an investigator for the Indescribable Company, and Inspector Leyland as they delve into the mystery of Mottram's death. As they investigate, they uncover various characters, including Brinkman, Mottram's secretary, and Simmonds, his estranged nephew, who both have motives that could link them to the crime. The story explores themes of greed, morality, and the lengths individuals will go to secure wealth. The tension escalates as Bredon and Leyland piece together clues, including a mysterious piece of paper that suggests Mottram had made changes to his will shortly before his death. The investigation reveals that Simmonds, who stands to gain from Mottram's death, had a contentious relationship with his uncle, providing a potential motive for murder. Meanwhile, Brinkman's behavior raises questions about his involvement, as he seems overly eager to support the theory of suicide. Ultimately, the narrative culminates in a confrontation where the true nature of Mottram's death is revealed, challenging the characters' perceptions of morality and justice. The story concludes with a reflection on the consequences of greed and the complexities of human relationships, leaving readers to ponder the moral implications of the characters' actions.
By Ronald A. Knox · First published 1924 · Genre: Mystery, Detective Fiction, Crime · 25 chapters · 81,590 words
The principles of insurance, they tell us, were not hidden from our Anglo-Saxon forefathers. How anybody had the enterprise in those rough-and-tumble days to guarantee a client against "fire, water, robbery or other calamity" remains a problem for the historian; the more so as it appears that mathematical calculations were first applied to the business by the eminent John de Witt. In our own time, at any rate, the insurance companies have woven a golden net under the tightrope walk of existence; if life is a lottery, the prudent citizen faces it with the consciousness that he is backed both ways. Had the idea been thoroughly grasped in those remoter periods, no doubt but Alfred's hostess would have been easily consoled for the damage done to her cakes and King John handsomely compensated for all that he lost in The Wash. Let us thank the soaring genius of the human mind which has thus found a means to canalize for us the waters of affliction; and let us always be scrupulous in paying up our premiums before the date indicated on the printed card, lest calamity should come upon us and find us unprepared.
The Three Taps is listed on Textopian as a novel by Ronald A. Knox, dated 1924 CE.
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