Ryan Wadsworth’s review published on Letterboxd:
Somehow only just now watched this for the first time ever. I’m thinking it’s pretty clear that Ned is some kind of evil sorcerer who put the time loop on Phil. It’s no coincidence that no matter what time Phil leaves his house that he always bumps into Ned at the exact same spot. Also, the loop only ends when Phil buys insurance off Ned? That man is the devil and he should’ve been punched harder.