You are dining in a piazza in Rome one evening when your mobile phone rings. Your neighbour tells you that someone has broken into your house. Your front door was damaged during the break-in, so the building can’t be locked. After you’ve recovered from the initial shock, you call the insurance company, which makes arrangements for a temporary repair and provides an advance on the costs for this. Safe in the knowledge that no further damage can occur in the meantime, you can continue to enjoy your holiday.