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Borussia Dortmund insured against missing out on Champions League qualification


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As it appears, Borussia Dortmund will receive 20m from their insurance because they won't play in the Champions League next season. They have paid about 6m each year since 2012 to a company to insure against missing CL qualification and will now receive a lot of money to help them reach their targets in the next season again. What do you think of this model? (it's forbidden in England). Should it be in FM?

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As a former special risks underwriter I'd have avoided having that covered under a loss of income/disruption of trade poilcy, BvB are not exactly a Champions League regular & the the probability of them having a bad season should have always been seen as quite high.

As Cougar has said unless the financial modelling becomes significantly more sophisticated there's no need for this to be introduced, if money is need then the game just comes up with a new sponsorship deal.

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