Our mission
We can't change
the weather.
But we can help the people and businesses who live and work outdoors adapt to it.
See what we offer
Someone always carries the cost of a wet day
Seasons that used to be reliable are not, and the cost of that lands on whoever is holding the risk on the day. Usually that is you.
The venue
A washed out Saturday, staff already rostered and the beer already ordered.
The festival
A year of costs carried into one weekend, with the forecast watched all week.
The vendor
A van packed, a pitch paid for, and a field nobody turned up to.
Why we exist
We are here to help people and businesses adapt to a changing climate, so that gathering outdoors survives it.
The climate is changing faster than the plans built around it, and outdoor life feels it first.
Festivals, matches, markets and beer gardens are where people still gather in person. They are also the first things called off when the weather turns, and the loss lands on whoever is least able to carry it.
Adaptation usually means flood defences and drainage. It also means this: whether a wet summer is survivable for the people whose living depends on being outdoors.
How it works
We pay on the forecast, not on argument
The Forecasted Rainfall Threshold, the Forecast Measurement Window and the payout are agreed before anyone buys. On the morning of the day, at the Forecast Measurement Time, we read the Met Office forecast for the window. If the total forecast rainfall meets or exceeds the threshold, the money goes out automatically.
No claim form. No photographs. No debate about how wet it really was.
The Met Office forecast for your venue, day by day. When it meets or exceeds the Forecasted Rainfall Threshold at the Forecast Measurement Time, the payout is issued, without anyone having to make a case for it.
How we do it
The cover fits in a sentence
You can explain it to your attendees in one line, because there is nothing hidden in the small print to explain away. If we cannot describe a policy simply, we have not designed it well enough.
We move the risk, we do not pretend to stop the rain
Rainy Refunds cannot give you a dry weekend. What it can do is keep a wet one from landing on the people least able to absorb it. The cover is underwritten by Tokio Marine HCC, so the risk sits with an insurer, not with you.
A wet day should still be worth turning up for
Rainy Rewards switches on a treat at your venue on the mornings rain is forecast, so a day people would have written off becomes a reason to come in.