Mrs Tipps goes on a Journey, and meets a Gentleman who, with much Assurance, comments freely on Insurance.  
On a particular holiday, it was advertised that a great excursion train would start from the Clatterby station at a certain hour. At the appointed time the long line of carriages was pushed up to the platform by our friend John Marrot, who was appointed that day to drive the train.
 
“Bill,” remarked John to his mate, “it’ll be a biggish train. There’s an uncommon lot o’ people on the platform.”
 
“They’re pretty thick,” replied Will Garvie, wiping his countenance with a piece of waste, which, while it removed the perspiration, left behind a good deal of oil, and streaked his nose with coal-dust. But Will was not particular!
 
The excursionists were indeed unusually numerous. It chanced to be a fine day, and the platform was densely crowded with human beings, many of whom moved, when movement was possible, in groups, showing that there were various sections that had a common aim and interest, and meant to keep together as much as possible. There were men there who had evidently made up their minds to a thoroughly enjoyable day, and women whose aspect was careworn but cheerful, to whom a holiday was probably a memorable event in the year. Of young people there was of course a considerable sprinkling, and amongst the crowd could be seen a number of individuals whose amused expression of countenance and general aspect bespoke them ordinary travellers, who meant to avail themselves of a “cheap train.” All classes and conditions of men, women, and children were hustling each other in a state of great excitement; but the preponderating class was that which is familiarly though not very respectfully styled “the masses.”
 
Mrs Marrot was there too—much against her will—and little Gertie. A sister of the former, who lived about twenty miles from Clatterby, had, a short time before, made her husband a present of a fine fat pugilistic boy, and Mrs M felt constrained to pay her a visit.
 
John was on the look-out for his wife and child, so was Will Garvie. The former waved a piece of cotton-waste to her when she arrived; she caught sight of him and gave him a cheerful nod in reply; and an unexpressed blessing on his weather-beaten face arose in her heart as Garvie pushed through the crowd and conducted her and Gertie to a carriage.
 
Timid little Mrs Tipps was also there. It is probable that no power on earth, save that of physical force, could have induced Mrs Tipps to enter an excursion train, for which above all other sorts of trains she entertained a species of solemn horror. But the excitement consequent on the unexpected recovery of the diamond ring, and the still more unexpected accession of wealth consequent thereon, had induced her to smother her dislike to railways for a time, and avail herself of their services in order to run down to a town about twenty miles off for the purpose of telling the good news to Netta, who chanced to be on a short visit to a friend there at the time. When Mrs Tipps reached the station, her ignorance of railway matters, and the confused mental state which was her normal condition, prevented her from observing that the train was an excursion one. She therefore took out a first-class ticket and also an insurance ticket for 500 pounds, for which latter she paid sixpence! Her ignorance and perturbation also prevented her from observing that this rate of insurance was considerably higher than she was accustomed to pay, owing to the fact of the train being an excursion one. If she had been going by an ordinary train, she could have insured 1000 pounds, first-class, for 3 pence; half that sum, second-class, for 2 pence; and 200 pounds, third-class, for the ridiculously small sum of one penny!
 
Good Mrs Tipps held the opinion so firmly that accident was the usual, and all but inevitable, accompaniment of railway travelling, that she invariably insured her life when compelled to undertake a journey. It was of no avail that her son Joseph pointed out to her that accidents were in reality few and far between, and that they bore an excessively small proportion to the numbers of journeys undertaken annually; Mrs Tipps was not to be moved. In regard to that subject she had, to use one of her late husband’s phrases, “nailed her colours to the mast,” and could not haul them down even though she would. She therefore, when about to undertake a journey, invariably took out an insurance ticket, as we have said,—and this, solely with a views to Netta’s future benefit.
 
We would not have it supposed that we object, here, to the principle of insuring against accident. On the contrary, we consider that principle to be a wise one, and, in some cases, one that becomes almost a duty.
 
When Mrs Tipps discovered that Mrs Marrot and Gertie were going by the same train, she was so much delighted at the unlooked-for companionship that she at once entered the third-class, where they sat, and began to make herself comfortable beside them, but presently recollecting that she had a first-class ticket she started up and insisted on Mrs Marrot and Gertie going first-class along with her, saying that she would pay the difference. Mrs Marrot remonstrated, but Mrs Tipps, strong in her natural liberality of spirit which had been rather wildly set free by her recent good fortune, would not be denied.
 
“You must come with me, Mrs Marrot,” she said. “I’m so frightened in railways, you have no idea what a relief it is to me to have any one near me whom I know. I will change your tickets; let me have them, quick; we have no time to lose—there—now, wait till I return. Oh! I forgot your insurance tickets.”
 
“W’y, bless you, ma’am, we never insures.”
 
“You never insure!” exclaimed Mrs Tipps in amazement; “and it only costs you threepence for one thousand pounds.”
 
“Well, I don’t know nothink as to that—” said Mrs Marrot.
 
Before she could finish the sentence Mrs Tipps was gone.
 
She returned in breathless haste, beckoned Mrs Marrot and Gertie to follow her, and was finally hurried with them into a first-class carriage just as the train began to move.
 
Their only other companion in the carriage was a stout little old gentleman with a bright complexion, speaking eyes, and a countenance in which benevolence appeared to struggle with enthusiasm for the mastery. He was obviously one of those men who delight in conversation, and he quickly took an opportunity of engaging in it. Observing that Mrs Tipps presented an insurance ticket to each of her companions, he said—
 
“I am glad to see, madam, that you are so prudent as to insure the lives of your friends.”
 
“I always insure my own life,” replied Mrs Tipps with a little smile, “and feel it incumbent on me at least to advise my friends to do the same.”
 
“Quite right, quite right, madam,” replied the enthusiastic little man, applying his handkerchief to his bald pate with such energy that it shone like a billiard ball, “quite right, madam. I only wish that the public at large were equally alive to the great value of insurance against accident. W’y, ma’am, it’s a duty, a positive duty,” (here he addressed himself to Mrs Marrot) “to insure one’s life against accident.”
 
“Oh la! sir, is it?” said Mrs Marrot, quite earnestly.
 
“Yes, it is. Why, look here—this is your child?”
 
He laid his hand gently on Gertie’s head.
 
“Yes, sir, she is.”
 
“Well, my good woman, suppose that you are a widow and are killed,” (Mrs Marrot looked as if she would rather not suppose anything of the sort), “what I ask, what becomes of your child?—Left a beggar; an absolute beggar!”
 
He looked quite triumphantly at Mrs Tipps and her companions, and waited a few seconds as if to allow the idea to exert its full force on them.
 
“But, sir,” observed Mrs Marrot meekly, “supposin’ that there do be an accident,” (she shivered a little), “that ticket won’t prevent me bein’ killed, you know?”
 
“No, ma’am, no; but it will prevent your sweet daughter from being left a beggar—that is, on the supposition that you are a widow.”
 
“W’ich I ain’t sir, I’m happy to say,” remarked Mrs Marrot; “but, sir, supposin’ we was both of us killed—”
 
She paused abruptly as if she had committed a sin in merely giving utterance to the idea.
 
“Why, then, your other children would get the 500 pounds—or your heirs, whoever they may be. It’s a splendid system that, of insurance against accident. Just look at me, now.” He spread out his hands and displayed himself, looking from one to the other as if he were holding up to ad............