As an event organiser it can be a real administrative frustration and additional cost dealing with customers who pull out of an event and ask for a refund – so much so that many organisers specify ‘no refunds’ in their T&Cs. Generally, clear terms and conditions will reduce arguments but either the event or the entrant will likely be left out of pocket, perhaps both, and it is rarely a satisfactory solution.

An increasingly popular alternative is insurance: if customers are purchasing their entry online, they can also purchase cover that will refund their entry costs if they are unable to attend due to unexpected reasons beyond their control.

If the entrant can’t attend for a valid reason then the insurance company will refund 100% of their entrance price. It can even refund the cost of a doctor’s certificate if appropriate. Why might someone need to cancel their ticket?

  • Illness
  • Injury
  • Home / family emergency
  • Jury service
  • Transport failure
  • Adverse weather
  • Armed Forces posting
  • Redundancy or work relocation
  • Changes to exam dates
  • Other genuine reasons.

So how much does refund cover cost?

The cover costs the event organiser absolutely nothing! The cost of the cover is added on top of the entry price and is based on a small percentage of what the entry costs. As an event organiser, you can add a further percentage to give you an additional income stream and help with administrative overheads.

What type of events is refund cover suitable for?

In simple terms, the cover works for any tickets or entries that are purchased online. For example:

  • Races: running, cycling, triathlon, OCR, swims, ultras, etc
  • Spectator events: sporting fixtures, concerts, festivals, theatre, etc
  • Travel: hotels, holidays, tours, visitor attractions, vehicle hire, etc.

How can you get refund cover?

Mann Broadbent has been specialising in insurance for the sports and leisure sector for over 50 years, providing cover, insurance and advice to organisations and individuals of all shapes and sizes. If you would like to know more about providing this extra service to your customers just give us a call on 01905 612336 or contact us.

Like to know more? Give us a call on 01905 612336 or

Did you know?

Did you know that we can also insure event organisers, race directors and venues against their own costs and expenses if an event is disrupted or cancelled for reasons beyond their control? For example extreme weather, power failure, equipment breakdown, cyber attack and so forth. If you would like advice or a quote then just get in touch and our team can help yours.