Event / competition fees insurance?

[little_critter]

Is there such a thing as a one off policy I can take out to cover lost event fees if I can't attend due to horse injury/illness?
I can find policies for the event organisers, or competition fee cover rolled up in competition horse insurance policies but nothing I can take out to cover a one off event (it's a training clinic, not a competition if that makes any difference).

I've sent messages to SEIB, KBIS and Petplan to ask them too...just wondering if I'm googling for the wrong thing.

 

[ihatework]

No that I’ve heard, but actually it would be a good policy to create - take the onus off the organiser and place it on the individual

 

[little_critter]

All 3 companies have come back saying "nope - not something we do"
Damn, I signed up to a clinic because the organiser said it was a thing (I'm certain it was a misunderstanding on her part, nothing sneaky)
I'm going to have to rely on bubble wrap and crossed fingers then

 

[Polos Mum]

I can't imagine it would be economic for them to administer. An average clinic / class (not BE event) would be £40-£50.
Anything more than 10% to insure against non-attendance would be "too expensive".

So for £3-5 they have to take your details, send policy docs, then have a process to get vet confirmation of injury before paying out. Indeed even for you if your horse was a bit off but not vet worthy then a £150 call out fee and lameness sign off - would be 2x the cost of the lost clinic entry.

If the insurers didn't require vet evidence then they risk a wave of low level lameness every time the weather is bad.

Even if it is a couple of day long clinic - the cost of getting vet sign off of lameness (and then having that on your horse's record) is going to be more expensive than the lost entry fees.