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  “Well, you ought to have him covered, too.”

  “But he’s nobbut a lad.”

  “Okay.” George spread his hands. “He goes in cheaper. Five pounds a year. Same benefits.”

  The brothers’ resistance seemed to have crumbled. “Awright, s’pose we might as well. We’ll do ’im, too.”

  George tripped off to his car, whistling merrily, and we got on with the test.

  It was about three weeks later that I met Clem in Darrowby market place. He was sauntering along, looking in the shop windows, and he was wearing a smart dark suit, obviously not his working clothes. It was late afternoon when he would normally have been bringing in his cows for milking, and I wondered at his presence in the town until he turned round and I saw that his arm was in a sling.

  “What on earth have you been doing, Clem?” I asked.

  He looked down at the bulky white cast. “Broke me arm. Slipped up on the cow-house floor. And would you believe it?” His eyes widened. “It was nubbut three days after I’d signed that insurance form. Ah’m gettin’ twenty pun a week, and the doctor reckons it’ll be another nine weeks afore I can start work. That’ll be more than two hundred quid I’ll have collected. All right, eh?”

  “It certainly is. What a blessing you took George Forsyth’s advice. But you’ll be paying for somebody to help you?”

  “Nay, nay, we’re managin’ grand as it is.” He walked away, chuckling.

  Clem’s injury had healed by the time I had to visit the Hudson farm again to “cleanse” a cow. Clem brought me a bucket of hot water, and I was soaping my arms when Dick came in. I should say he hobbled in, because he was on crutches.

  I stared at him, and an eerie sense of the workings of fate stirred in my mind. “Broken leg?”

  “Aye,” Dick replied laconically. “Did it as easy as owt. Tryin’ to catch an awd ewe on top pasture and upskittled meself in a rabbit hole.”

  “You’ll be out of action for a while, then?”

  “Aye, plaster’s got to stay on for fourteen weeks. It’s a bloody nuisance, but all them twenty quids is very nice. Good job we signed that paper.”

  I didn’t see him until he came into the surgery one market day to pay his veterinary bill. He had shed his cast but was still limping slightly.

  “How is the leg, Dick?” I asked as I wrote in the receipt book.

  He grimaced. “Nobbut middlin’. Aches like ’ell sometimes, but I think it’s gettin’ stronger.”

  “Ah, well.” I handed him the receipted account. “You’ll just have to take things a bit easier till you’re back to normal.”

  “Can’t do that,” he said, shaking his head. “We’re short-handed as it is. Young Herbert’s had a accident.”

  “What!”

  “Aye, stuck a hay fork into ’is foot and got blood poisonin’. He’s well enough in ’imself, but Doctor says it’ll be a long time afore he can walk about.”

  In fact, it was ten weeks before Herbert returned to work, but as Clem confided to me over a beer when I encountered him one night in the Drovers’ Arms, the two hundred pounds they collected from the insurance company had been something of a consolation.

  “Remarkable thing,” I said. “George Forsyth must have been sent from heaven that morning. His company has been a tremendous help to you.”

  Clem showed no enthusiasm but stared gloomily into his glass. “But ah’ll tell tha summat. They’re funny fellers, them insurance men. Would ye believe it, after all that talkin’ they don’t want us any more.”

  “Really? How’s that?”

  “Well, we got a letter from them sayin’, ‘We do not wish to renew your insurance.’ What d’you make of that?”

  “That sometimes happens, Clem,” I said. Privately, I wasn’t surprised. For an outlay of twenty-five pounds, the Hudsons had received more than seven hundred pounds within a few months. I could imagine any company beating a hasty retreat.

  “Any road,” he continued, “we got another lot to take us on at t’end of the year. We’ve shifted all our business to them—farm, car and t’lot.”

  “And another accident policy, I suppose?”

  Clem tipped up his glass and took a long swallow. “Oh, aye.” Then he turned to me with an injured expression. “But they’ve made us pay an extra pound each.”

  It was some months later, shortly after the new company had shouldered the burden of the Hudsons’ insurance, that Dick fell into the bowels of the tractor. He could have been seriously injured but sustained only a fracture of the thumb, which kept him off work for eight weeks.

  He told me about it himself when he had recovered and I was having a cup of tea in the farmhouse. “Another one hundred sixty pounds into the kitty,” he said philosophically, pushing a plateful of homemade scones towards me.

  I must have looked bemused because he laughed. “And that’s not all, Mr. Herriot. I had a accident with the car.”

  “No!”

  “Aye, ah did. Ran into t’side of young Bessie Trenholm’s car and smashed me radiator and lights.”

  “Well, that’s almost unbelievable. And another claim, eh?”

  Dick gave me a wry smile. “Well, now, I’ll tell ye. There’s a bit of a story there. It was Bessie’s fault, all right—she came out of her farm gate with no warnin’—but ah’d only insured my car for third party, and I thought if it came to an argument wi’ only my word against hers, I’d have no chance because she’s a bonny young lass, is Bessie. So I decided not to claim, though ah did mention it to the agent.”

  “So nothing doing this time?”

  Dick’s smile widened. “That’s what ah thought, but the agent came to see me a few days after and told me they’d made a mistake at his office. They’d insured me car comprehensive.”

  “Good Lord! So you collected again?”

  “Aye, another one hundred fifty pounds. Not bad.” Dick cut a piece from a wedge of Wensleydale cheese, and his expression grew serious. “There’s only one thing we’re worried about. The agent acted a bit queer-like when ’e gave us the money. Didn’t seem ower pleased. We’re just hopin’ this company isn’t goin’ to give us t’push like the last one.”

  “Yes,” I said. “I understand. That would be unfortunate.”

  “It would ’an all.” Dick nodded gravely. “Clem and me’s big believers in insurance.”

  Chapter

  21

  November 3, 1961

  I CRAWLED INTO MY bunk at 3 A.M., and it seemed that I had hardly fallen asleep before I was awakened by the ship leaping and bucking like a wild thing. I looked out of my window at a vast stretch of wind-tossed ocean.

  Away in the distance, the lights of Klaipeda glimmered and faded. So the mate had been right; our captain was not to be deterred by a bit of bad weather.

  For the rest of the night I remembered painfully the warnings I had heard about coming home against the wind. On the way to Klaipeda, the main motion had been a sideways rolling, which I had countered by jamming knees and elbows against the sides of the bunk, but this was a violent fore-and-aft movement, and it was ten times worse. Over and over again I slid from one end of the bunk to the other, and there wasn’t a thing I could do about it. From my weird changes of position, I could divine that the ship’s bows were high in the air one moment and pointing right down the next.

  Outside, the gale howled, spray dashed against the windows and the cabin furniture and my worldly goods flew around the place unchecked. I let them get on with it. Tidying up, I felt, would be a fruitless and dangerous business.

  Being thrown about constantly and listening to the medley of bangs and clatterings from all over the ship gave me small chance of sleep, and when dawn came I peered out at a dismal scene.

  I discovered then the reason for one of the new sounds I had heard during the night. Whereas the ship had slid down the sides of the huge waves with the wind behind it, it now fell, keel first, into each green chasm, and when this happened, there was a jarring crash as though w