Acca Insurance

Available in United Kingdom

Has one of your accumulator bets failed? It happens, but all is not lost our top-rated bookies offer ACCA insurance so you can get your stake back as a free bet

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alert Advertiser Disclosure
Every online gambler deserves a safe and fair place to play. Our mission at Gambling.com is to create a safe online environment for players through free, impartial and independent reviews of the best online gambling companies in the US so that you can play with confidence and security. All ratings and reviews are made independently of the operator by our team of gaming experts and with every company being fully licensed to operate in the US they can be trusted to offer fair play. We accept compensation from the companies advertised on this page and this may affect the brand positioning. We endeavour to continuously update this list so we can bring you the most current sites and the best available offers but we cannot review every site in the market.
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WATCH: What is a Football Accumulator?



Several online bookies offer this game changing feature and you’ll find that eligibility varies per site. Some will have a 5fold+ option letting you combine odds of 4/1 or more on your accumulator on Match Betting or Both Teams to Score selections.

You will find that bookies will often ask you to bet on at least four teams in order to qualify for Acca Insurance and these are limited to specific match odds or same game multi markets.

What Is ACCA Insurance?

Bookmakers recognise the very small margins involved in getting accumulator bets just right. If one part fails, everything collapses. So, they have decided to throw punters a valuable lifeline!

Acca Insurance provides you with a way to get your accumulator stake back as cash or a free bet in the event that one of your selections fails to win.

This can be a great consolation prize for the forlorn player looking for something to ease the disappointment of an accumulator falling through! Now you can have another acca for free, or a chance to get your money back from online bookies. It’s no surprise that it is becoming more popular.

What Sports Is ACCA Insurance Available On?

Generally, the most popular football leagues as well as those which bookmakers feel the most confident about are the markets acca Insurance offers will be. This is too be expected and bookmakers are careful when offering acca related promotions.

It will be no surprise to find that you’re unlikely to be able to load up an accumulator with selections from the lower division football leagues in Estonia! Acca Insurance promotions are usually restricted to specific football leagues so always take a look at the terms and conditions.

Leagues where you will find acca insurance include:

  • Premier League
  • La Liga
  • Bundesliga
  • Serie A
  • Ligue 1
  • Champions League
  • Europa League
  • MLS

Football betting is the most popular for Acca Insurance, but it can also be found in other sports such as Tennis, American Football, NBA Basketball and Golf.

How Does ACCA Insurance Work?

A bookie will offer you a refund on accumulators over a stated number of selections when one of your selections fails but all the others win. This is the most common type of acca, and the number of selections is usually 5. Offers vary but generally you will qualify if your acca:

  • Has 5 or more selections
  • Has selections that add up to a minimum odds amount
  • Is for a football bet

Does ACCA Insurance Require Minimum Odds?

Yes, there’s a minimum odds requirement with each acca selection when it comes to qualifying for Acca Insurance.

These odds vary per bookmaker, some ask that each selection needs to be 1/5 (1.20) or more. So, you have scope to pick some short-priced games. Others however, set the bar a bit higher and require each selection be 1/2 (1.50) or even 4/1 (5.0)). You can check if you are eligible by adding your selections to the bet slip- after this, the Acca Insurance eligibility criteria will likely be displayed.

Types of ACCA Insurance

It varies but the most usual is a free bet up to a certain amount, generally no more than £25. The amount you receive depends on how much your original bet was and it can be claimed usually when one of your legs fails. You will only have a certain amount of time to claim. Some bookies pay out with cash instead of a free bet, but these are rare. A minimum number of legs is required, usually 5.

ACCA Insurance Example

1 Leg Loses:

  • You place a five-fold £10 accumulator with combined odds of 10/1 and qualify for insurance
  • Four legs of the accumulator win, but one leg does not so the bet loses
  • Your acca insurance means you get a £10 free bet refund

Important: If your acca loses 2 legs, you don’t get anything as the insurance only covers a 1 leg loss.

How To Claim Your ACCA Insurance?

Double check that you qualify first. Did you lose more than one leg? If so, you won’t qualify. The pay-out will be a free bet, and this will always be the same value as your original stake (unless it is higher than the max value permitted in the insurance).

ACCA Betting Tips and Strategy

One strategy is to include a few short-priced options and then add in a bigger-priced selection- you want this one to be the leg that fails and triggers your Acca Insurance coverage. As long as your accumulator bet qualifies for the promotion, you can try a few calculations to make it work for you.

Do some research and look for value. Look at teams, examine past form, injuries and suspensions-is there an angle for you? Anything that can influence the result is of interest to you. Look at the value of each leg and make a call if they are worth betting on.

Why Do Bookmakers Offer ACCA Insurance?

Bookies like to include it as it makes themselves attractive to a wider audience. They also recognise just how popular accumulators are and they want to ensure that players keep enjoying accumulators and continue betting!

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