Updated: 17 September 2020

Acca Insurance Offers from Top Bookmakers

Updated: 17 September 2020

Any bettor who likes to place accumulators will know the frustration of having one losing leg. It seems to happen more than the odds would suggest but maybe punters remember more than they should. One of the most popular multiple bets is on five teams to win matches in the English Premier League. It can be so galling to get four results correct and the fifth team lets the bet down. All the selections must oblige for a winning accumulator.

Top bookmakers like to take accas because they have a number of opportunities to get the bet beat. Bettors like multiples because they offer the potential for a decent win from a small stake. Acca insurance from top bookmakers is a common ongoing promotion for existing customers. The offer provides a little compensation and security against one selection not winning and causing a losing bet. This article examines the best acca insurance offers from major bookmakers.

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What is an Acca Insurance Offer?

We all love a big-priced multiple because there is the potential for a nice return from a modest stake. You know the feeling of all the selections in a multiple winning so we can calculate the return. An accumulator is a single line bet with a stake of 1 unit. Accas are distinct from system bets because they combine teams, players or horses in various combinations. You can afford to have losing selections in a system bet, such as a Yankee, but all the selections must win for a winning acca.

What is an Acca bet?

Here is an example of an acca and how bets are settled, in this case a five-fold because the bet is made up of five selections:

  • Manchester United to beat Liverpool at 6/4.
  • Everton to beat Manchester City at 2/1.
  • Chelsea to beat Arsenal at Evens.
  • Aston Villa to beat Tottenham at 3/1.
  • Leicester to beat Burnley at Evens.

STAKE: £10.

Acca Calculation

Calculation: (2.5 by 3.0 by 2.0 by 4.0 by 2.0) minus 1 for the stake = 119.

The bet is a 119/1 acca so the return is £1200 for a £10 stake. That’s a significant profit for a relatively small bet. However, let’s say all your five teams are winning at the end of 90 minutes going into added time. Then at Villa Park with the home team 1-0 in front, Harry Kane equalises for Tottenham and the match ends in a draw! There is the cash out option but let’s assume the bet was let to run. In most cashed anyway cashed out bets are not eligible for this promotion. Acca insurance provides a small measure of compensation when there is one losing leg.

This explanation and example should help in understanding what is an acca bet.

How Does Acca Insurance Work?

The acca insurance offer from top bookmakers generally credits customers with a refund when tone selection lets the bet down. There is usually a maximum refund which is often £25 and this refund comes in the form of a free bet. Some bookmakers stipulate that the insurance must be used for another Acca while others allow bets on any sports market. It is common for any winnings from the free bet to not include the stake. Acca insurance is a little gift when an Acca has one losing leg.

It is debatable whether a £25 free bet makes you feel much better when a late goal in a football match wipes a potential return of £1200. However, several top bookmakers offer acca insurance so they must feel it is worthwhile. When you hit the bar with an acca, the reaction could be to place a similar bet and this is free with bookies that offer acca insurance. Many punters are optimistic by nature so will be grateful for the free bet and take on the bookies again. They will work how to match bet accas.

Some of the best acca insurance offers specify the sport, league and fixtures while others apply across all sports. Football is by far the most popular sport for acca insurance but tennis and horse racing attract many accas and are suited to the insurance. In fact, some Acca insurance offers apply to multi-sport bets. There is a minimum number of legs but the multiple can bring together a combination of football teams, tennis players and horses. The concept is always about making up for one selection letting down a potentially winning bet. Football acca insurance and tennis acca insurance are good examples of this promotion.

Best Bookmakers with Acca Insurance

Here are examples of acca insurance offers from four major online UK-facing bookmakers:

  1. BetVictor
  2. Ladbrokes
  3. Paddy Power
  4. William Hill
  5. Betfred
  6. Coral
  7. Boylesports

Ladbrokes Acca Insurance

New customers with this operator can claim a £20 as free bets after placing a £5 qualifying bet. This welcome bonus sits alongside Ladbrokes acca insurance which is one of a number of acca offers on the site. Customers can receive a boost or cash out Accas in addition to enjoying the benefits of acca insurance. The Ladbrokes acca insurance offer is subject to the following Terms & Conditions:

  • Existing customers qualify.
  • Money back as a free bet if one team in an acca does not win.
  • Maximum free bet of £10.
  • Only applies to football.
  • Five selections or more.
  • Qualifying markets: match result, both teams to score, match result and both teams to score, correct score and over/Under total goals.
  • Only applies to the first Acca of the day.
  • Ladbrokes general Terms & Conditions apply.

The refund comes in the form of a free bet which means any winnings do not include the free bet stake and the £10 value is modest and other operators offer more generous acca insurance.

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William Hill Acca Insurance

William Hill offers newly registered customers £30 in the form of free bets after staking £10. The welcome bonus is a genuine 300% match bet because the value of the free bets is three times the qualifying bet stake. In the past, William Hill acca insurance has complemented the welcome bonus in line with the following Terms & Conditions.

  • All players are eligible.
  • Money back as a free bet if one selection in an acca does not win.
  • Maximum refund of £50 per bet but £200 each day.
  • Applies to football and other sports.
  • Five selections or more.
  • Maximum bet of £20 and minimum odds of 1/5 per selection.
  • William Hill general Terms & Conditions apply.

Please note that William Hill acca insurance is not currently available but this situation could change. The operator could introduce a similar acca insurance offer but at the time of writing a bet boost is the only acca related promotion that applies.

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Paddy Power Acca Insurance

The Paddy Power welcome offer comes in the form of free bets for £30 and a £10 slots bonus. After opening an account, customers can benefit from the Paddy Power acca insurance promotion which is subject to the following Terms & Conditions:

  • All customers are eligible.
  • Refund as a free bet when one selection does not win.
  • £10 in the form of a free bet.
  • Four selections or more.
  • Minimum odds of 1/5 per selection.
  • Accas across all sports qualify, other than horse racing.
  • Free bet expires after 7 days and any winnings do not include the free bet stake.
  • Single line markets but cashed out bets do not count.
  • Paddy Power general Terms & Conditions apply.

The value of the free bet is small but the Paddy Power acca insurance offer applies to bets with four selections and more whereas most other bookmakers require the acca to have at least five legs. The free bet also expires after one week which is a relatively small timeframe.

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Betfred Acca Insurance

New customers with Betfred are catered for with £30 in the form of free bets after placing an initial £10 bet. This welcome offer is part of a package of promotions that also includes Betfred acca insurance. This offer is subject to the following Terms & Conditions:

  • Existing customers.
  • Refund as a free bet when one selection does not win.
  • £10 in the form of a free bet.
  • Five selections or more.
  • Minimum odds of 1/3 per selection.
  • Selected football leagues and match result market.
  • Free bet valid for 7 days.
  • Returns from the free bet do not include the free bet stake.
  • Betfred general Terms & Conditions apply.

The refund is small and the acca must include five legs or more. There are minimum odds restrictions and the bet must be a single-line acca. However, the promotion is transparent and achievable but there is a time limit of 7 days.

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A number of other bookmakers, including new betting sites on the market, provide acca insurance but the ones described above are on offer with top bookmakers who provide a safe and secure betting environment. Accumulators are popular with bettors because they provide interest across a number of sports and events. The nature of multiple bets means odds are combined so a decent return is possible for a small bet. These bookmakers offer a refund when one leg spoils a bet which is the essence of Acca insurance.

Other operators licensed and regulated by the United Kingdom Gambling Commission that offer accas insurance include Boylesports, BetVictor, 888Sport, and SportNation. Across the full range of Acca insurance offers, there are the following features:

  • Minimum deposit.
  • Minimum number of selections.
  • Odds restrictions.
  • Maximum free bet.
  • Free bet expiry date.

Acca insurance is one of the most popular promotions for existing customers. It is one of a range of offers related to accumulators and the other most popular one is enhanced Accas. Bettors receive a percentage bonus based on the number of selections in the bet. As a package, acca bonuses provide a good incentive for customers to place multiple bets. Acca insurance is also part of process how to match bet Accas.

Examples of Acca Insurance

We provided a basic example of acca insurance in the section entitled: What is an Acca Insurance Offer? Bets are usually single line multiples with 1 stake unit. The accumulator element of system bets do not count. Some acca insurance offers only count for match result bets. However, others are valid for more speculative markets, such as the correct score in a football match. The value of the free bet is a much smaller proportion of the potential return so acca insurance is more a relatively small value compared with what is lost.

A five leg correct score multiple could produce a life-changing win for a small stake so a £25 free bet is quite a hollow gesture. The favourite in a football correct score market is about 6/1. If you combine five favourites the return is 7 by 7 by 7 by 7 by 7 minus 1. That equates to an accumulator at odds of 1608/1 and a profit of £16,080 for a £10 stake. The refund of £25 when one correct score result is wrong is only a very small compensation for the loss of a big win.

Some bookmakers offer acca insurance across all sports, which includes tennis. Horse racing Accas so not count with a number of operators. There can be long odds-on favourites in tennis matches so the minimum odds condition comes into play. However, selections can be included at 1/2 and a five-fold at these odds is popular. A winning bet pays out at 13/2 for a profit of £65 for a £10 stake. If the acc insurance free bet is for £25, it is 38% of the potential loss. That does represent a decent refund compared to what has been lost. The free bet can be used to find a winning acca.

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Acca Insurance Minimum Selections Requirements

Bookmakers accept selections across a range of sports in singles, doubles and trebles. System bets combine all the potential permutations and also include an accumulator bet. A Lucky 15 brings together four selections in four singles, six doubles, four trebles and an Acca. The minimum number of selections in a single line Acca or the Acca element of a system bet is four.

The top bookmaker best acca insurance promotions require four selections or more. Some bookmakers stipulate that a bet must be a fivefold or bigger to qualify for acca insurance. It is rare to see a treble insurance offer because the number of selections is too small to justify any insurance from bookmakers. In any case popular accas often contain four or five legs.

Odds Requirements

If you combine the minimum number of selections (four) at the minimum odds (1/5) the Acca pays just over Evens. In this case the refund equates to the stake. Most bookmakers impose the restriction of five selections or more. Acca insurance provides a good incentive to place this bet and is good for bookmakers because they have five or more chances to not payout at multiple odds.

Acca insurance offers from the top bookmakers specify minimum odds per leg which is usually in the range from 1/3 to 1/5. There are generally no upper limits so in theory a qualifier could be a fourfold with each element at 100/1. However, a winning acca would probably exceed payout limits. Even so even at this level, the free bet compensation is modest compared to the multiplied odds.

Maximum Acca Insurance Limit

Free bets which are credited as acca insurance when there is one losing leg range from £10 to £50. Some operators allow the refund to only be used for another accumulator. Most specify that the refund is a free bet and not cash that can be withdrawn. Bookmakers can apply a free bet maximum limit or a daily maximum limit. Some acca insurance offers only apply to the first Acca of the day while other count for a day’s betting until a staking limit is reached.

How to Claim an Acca Insurance Offer

Here is a step-by-step guide to claiming a typical acca insurance offer from one of the top bookmakers with customers in the UK:

  1. Visit the Homepage of the operator and complete the registration process.
  2. Claim the welcome bonus which can be no deposit, match deposit and match bet.
  3. Identify a number of selections that will form an accumulator.
  4. Place the bet with four or five more selections or more.
  5. The maximum numbers of selections depends on the acca payout limit.
  6. Use the free bet before it expires.
  7. Follow the bets as the results are known.
  8. Do not cash out any qualifying bets.
  9. Once the Acca has been settled, the free bet is credited.
  10. Use the free bet in line with the offer Terms & Conditions.
  11. Enjoy any profits from the free bet which do not include the stake.

Acca insurance offers are easy to claim and do not involve having to opt-in. The bookmaker will have an automated process which credits the free bet when the qualifying conditions have been met. Acca insurance represents a genuine free bet which is claimed seamlessly.

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Acca Insurance on selected Sports and Leagues

Some offers specify the sport and league and other are not sport for event specific. The most popular league for accas is the Premier League in England so acca insurance is most prevalent for fixtures combined in this competition. Other popular Acca insurance events in football are the Champions League, English FA Cup and World Cup. Many of the matches are shown live on television and coverage leads to more accas and acca insurance refunds.

Tennis is the second most popular betting sport with UP bookmakers. Customers can place Accas on matched from the ATP and WTA tours, Challenger events and ITF tournaments. Tennis is a head-to-head sport and the match winner is a two-way market. A popular acca is on the winner of four or five matches from different tournaments. There are often big favourites and outsiders so the minimum odds requirement is particularly relevant for tennis Acca insurance .

Customers in the UK also place many bets on darts, snooker, rugby league, rugby union, cricket and golf. Accas on selections just from one of these sports or across a number of sports are popular. When there is one losing selection in selected markets, bettors receive a refund in the form of a free bet. In some cases, the free bet must be staked on another accumulator but there are no restrictions on the sports. However, a number of operators do not include horse racing accas in this promotion.


Why do bookmakers offer Acca insurance?+
Acca insurance provides compensation for losing accas and bookmakers like these bets because there are more opportunities for the bets to lose.
Does Acca insurance apply to all betting markets?+
Some acca insurance offers apply to selected sports and markets while others count across all sports.
Can I place an Acca on selections of more than five?+
There is generally there is no upper limit to the number of legs but bookmakers impose a maximum payout for winning accas.
Is there a minimum deposit required?+
Bookmakers apply a lower deposit limit of £10 which applies to any acca insurance refunds.
Do all bookies offer Acca insurance?+
At the time of writing a number of top bookmakers featured acca insurance but others did not have this concession.


Colm Phelan
Colm Phelan
Reviewer since November 2020

A lifelong sports fan, Colm Phelan began writing at a young age which eventually led him to a career in journalism. Now an accomplished sportswriter and editor Colm has covered football, golf, NFL and boxing for numerous leading and national publications. He is a lifelong Arsenal supporter and also shouts for the Chicago Bears.

Interests: Football, NFL, Golf, Odds Comparison