@BarbarianMum yes the OP loses because she has had to pay for days that she hasn't used but the alternative is that the nursery has the same overheads with nothing to pay them with which is a dangerous situation for any business to be in. It's great if the nursery runs a contingency fund for these things but I'd be surprised if many do.
This is why most nurseries will cover this in their contracts and why most nurseries do not give refunds for other days like the children being sick or clients not needing childcare during school holidays - it would be great if they could but realistically, how many businesses could operate like that?
Childcare is infuriatingly expensive in the UK and there is often woeful support for working parents so any nursery closure is going to hit hard but like I say, it is just one of those things.
If it bothers the OP that much she could look for another childcare provider that offers more favourable terms. For me, the nursery I use is excellent, convenient for work, flexible in lots of other ways so I just suck things like this up. I think they provide excellent value for money in lots of other ways (we get free forest school opportunities, for example, that other providers charge extra for locally) so I just take the rough with the smooth.
I hear what people are saying in terms of sports matches being cancelled for team sports they participate in but you can't really compare the two business models - they are quite different. I did laugh at the comment about shareholders - I don't know of any children's nursery that has shareholders! Occasionally there might be a small chain of nurseries operating but they tend to be quite small-scale operations really, with one proprietor. I think some people are imagining greedy, capitalist pigs operating childcare settings and backslapping with the board of directors on the golf course!
It's great that some people are talking about their childcare providers not charging or giving some compensation - lucky them! But if the contract stipulates that closure due to unforeseen events will not result in a refund of fees then the OP needs to consider whether she wants to continue with that nursery or find one with more favourable terms elsewhere. I personally wouldn't uproot my kids out of a great nursery for the sake of the odd snow day - on balance, it's not worth it. But maybe the OP has other reasons for disliking her nursery or the way they do things?
Just a by the way, we had huge snow drifts here where tractors were struggling to get through and snow ploughs were coming off the road so the closure of the nursery was totally sensible. In this case, I wouldn't have put my son in the car, even if the nursery was open. I just didn't feel it was worth the risk to travel and wasn't at all surprised when they closed (they wouldn't close for the odd snowflake like the gym mentioned above). I wouldn't have looked favourably on the nursery manager if she had been happy with her staff travelling in those conditions. I hope that they did get paid - childcare workers get a pittance of a wage and they work so hard with my little boy that I actually care more about them getting paid than I do about me being theoretically out of pocket. We budget per month for childcare, we know the terms of the contract and we set aside that money anyway so I don't begrudge it, to be honest.