A pop concert could not go ahead due to the band's lead singer having a throat infection. In addition to the band, who would have an insurable interest in the concert?

The concert promoters have a clear insurable interest in the concert because they are financially invested in the event. Insurable interest exists when a party stands to benefit from the existence of the subject matter or would suffer a financial loss if it were to fail. In this scenario, the concert promoters would have made arrangements such as securing the venue, paying for advertising, and covering various expenses related to the concert. If the concert were canceled due to the lead singer's illness, the promoters would face significant financial repercussions, which is why their insurable interest is evident.

Other parties involved, such as the owner of a nearby car park or the railway company, may experience indirect impacts if the concert does not proceed, but their financial interests are not directly tied to the event. These parties may lose potential business, but their losses are not as immediate or as direct as those faced by the concert promoters. Similarly, while the concert programme printers depend on the event happening for their business, their interest is secondary and contingent on the promoters' financial stake in the concert. Therefore, the concert promoters are the most directly affected and have a definitive insurable interest in this scenario.