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AAP
AAP
National
Sam McKeith

NSW festival axed amid 'dire' bushfires

A judge said it was a dire situation with even the Sydney Opera House shrouded in smoke. (Joel Carrett/AAP PHOTOS) (AAP)

Insurer Lloyd's has defended refusing to pay out a policy to the organiser of the axed 2019 Subsonic music festival, arguing the nearby Black Summer bushfires were not the only reason the event was cancelled, a court has heard.

The organiser of the festival, which was to take place in the NSW Hunter region, is suing Lloyd's in Federal Court for around $900,000 after the insurer said the event could still have gone ahead despite bushfires raging in the area.

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