I've been there, done that and got the tee-shirt in the days before digital energy metering, and if you cant break the circuit to thread the wire through the core of your improvised sensor*, you'll need a split core which pushes both the cost and mechanical complexity to secure it up significantly. The only saving grace is you only need on/off indication, so as linearity isn't a concern, you can use a much smaller core and let it saturate.
Consumer grade clip-on current transformers (as used for energy monitors) are only a few bucks each on Aliexpress. I'd bet the cost to improvise anything that's reasonably secure and reliable will exceed the cost of one off-the-shelf.
* I used a small mains transformer with the original secondary removed and a single turn of the wire round the center limb in place of it), with a bridge rectifier + burden resistor across the original primary.