Acca Insurance

Available in United Kingdom

We know that many betting customers enjoy placing an accumulator bet, something that is available across several sports. An acca is generally regarded as a bet which includes four or more selections, although it can technically mean anything from a double upwards as the combined odds start accumulating as soon as you add two selections to your betting slip.

When you place an acca, you might be able to land something called Acca Insurance. Many online bookmakers have this type of promotion and it generally involves getting money back if your betting accumulator lets you down by one leg. You are required to put a set number of selections in your acca and it's a great offer considering that this situation occurs quite frequently.

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WATCH: What is a Football Accumulator?



As the above video explains, a football accumulator is generally a multiple bet that includes at least four selections. Customers can choose to fill their acca with as many picks as they want, although the acca bet becomes increasingly riskier every time an additional selection is made and the majority of footy accas have between 4-8 different selections.

It's important to note that while many football accumulator bets include different teams to win their matches, there is also the chance to choose from other football betting markets. It's pretty common to place an Over/Under 2.5 Goals football acca, while the Both Teams to Score betting market is another two-way option where you can choose between the "Yes" and "No" option for each game.

The odds for any football accumulator depend on the number of selections and the odds for each one. The prices of all selections are multiplied together and you then place a stake on this football accumulator, with most bookmakers showing you the potential return that can be enjoyed.

How ACCA Insurance Works

Every bookmaker is slightly different in terms of the Acca Insurance promotion that is available. A bookie such as Paddy Power has a free bet available if one leg of your 4+ fold acca or same game multi lets you down. Most other bookmakers will run with an offer along similar lines and there are three main considerations:

Let's say we've gone with the Paddy Power offer where we have to include at least four legs with each leg needing to be priced at 1/5 (1.20) or bigger. We will get a free bet to the same stake of our bet as part of our Acca Insurance promotion. Be sure to check with your chosen bookie to see if there is a wagering requirement when it comes to Acca Insurance, or what the maximum refund will be.

BrandSports with Acca InsuranceMinimum Legs/SelectionsAcca Insurance - Max StakeBonusVisit Site
Established 1997
3 5 25 £30 In Free Bets + £10 Casino Bonus When You Place Your First Bet of £10+
Min deposit £/€/$10 • A qualifying bet is a ‘real money’ stake of at least £/€/$10 • Min odds 1/2 (1.50) • Free Bets credited upon qualifying bet settlement and expire after 7 days • Free Bet stakes not included in returns • Casino Bonus must be claimed within 7 days • To withdraw bonus/related wins, wager the bonus amount 40 times within 14 days • Casino Bonus expires after 60 days • Withdrawal restrictions, payment methods, country & Full T&C’s apply.
Established 2008
30 5 20 Bet £10, Get £30 in Free Bets
New customers using Promo code H30 only, Min £10/€10 stake, min odds 1/2, free bets paid as 2 x £15/€15, free bets credited after settlement of first qualifying bet, free bets will expire 30 days after the qualifying bet is placed, payment method/player/country restrictions apply. Full T&Cs apply. 18+. Play Responsibly www.begambleaware.org.
Established 2007
40 5 20 Bet £10 Get 20£ in Free bets
New UK customers (Excluding NI) only. Mobile exclusive. Min stake £10. Min odds Evs. Free bet applied on 1st settlement of any qualifying bet. 30 days to qualify. Free bets expire in 7 days. Cashed out/Free Bets won’t apply. Payment method restrictions. 1 Free Bet offer per customer, household & IP Address only. 18+. T&Cs apply. Play Responsibly. www.begambleaware.org.

Example 1: A Winning Accumulator

Let's say that we've done a £10 footy BTTS accumulator on the following games:

That means we need both teams to score in each game. All the games kick off and, hey presto, we get the outcome we want with all eight sides finding the net at least once.

That means that our £10 acca is a winner and we would get a brilliant £160 returned due to the fact that our four even money selections accumulate from our starting point of £10 staked. £10 on the first selection becomes a £20 return which goes on to the second selection. £40 goes on to selection three before an £80 bet on selection four.

Example 2: ACCA Loses by One Leg

Now let's say we've placed a £10 football acca on the following teams:

If none, one or two of the above teams win, we lose our football acca. However, if three of the above teams win and the other one fails to win, then our Acca Insurance kicks in and we get our £10 back as a free bet which can be used for another sports bet.

It might surprise you how regularly Acca Insurance pays out and it means that you can always guard against one leg letting you down. Just remember to check the betting requirements with your selected bookmaker.

Example 3: ACCA Loses by More than One Leg

We've decided to go BIG with our accumulator bet selections and have backed the following teams to win their games:

Unfortunately, half of them failed to win their matches and that means that we're not eligible for a full payout nor can we get Acca Insurance. Just remember that Accumulator Insurance will only generally apply if one selection lets you down. Accumulator betting, as a general rule, tends to be more difficult than straight-up bets. However, upon bet settlement you will realise just how lucrative a football acca can be should you land one, but having Acca Insurance is a nice way to put your mind at ease in the meantime. If you like football betting then check out some of our top rated bookies in the table below.

BrandInPlay FootballLive Streaming - FootballFootball BetBuilderVisit Site
Established 1997
Yes Yes Yes
Min deposit £/€/$10 • A qualifying bet is a ‘real money’ stake of at least £/€/$10 • Min odds 1/2 (1.50) • Free Bets credited upon qualifying bet settlement and expire after 7 days • Free Bet stakes not included in returns • Casino Bonus must be claimed within 7 days • To withdraw bonus/related wins, wager the bonus amount 40 times within 14 days • Casino Bonus expires after 60 days • Withdrawal restrictions, payment methods, country & Full T&C’s apply.
Established 2001
Yes Yes Yes
Min deposit requirement. Free Bets are paid as Bet Credits and are available for use upon settlement of bets to value of qualifying deposit. Min odds, bet and payment method exclusions apply. Returns exclude Bet Credits stake. Time limits and T&Cs apply.
Established 2007
Yes No Yes
New customers. Max £10. 200% Odds Boost Token. Keep it fun - set your deposit limit. T&Cs apply. 18+. BeGambleAware.org

How Betting Sites Calculate and Pay Out Refunds

When it comes to betting a winning accumulator, a bookmaker will calculate your returns by multiplying the odds of each selection along with your nominated stake. This will then be the return you should expect when your bet is finally settled by the bookie. The bookmaker will generally settle an accumulator bet as a winner or a loser when the final leg is decided.

Should your accumulator hit the post and lead you to be eligible for Acca Insurance, then you can expect the bookie to refund your bet within 24 - 48 hours. Sometimes this is an automated process and other bookmakers will need to go through all the bets manually to make sure that the refunds are all processed.

If your losing accumulator bet is having stake refunded, then you should expect to see your betting balance amended to reflect the Acca Insurance. If your refund is coming in the form of a free bet, then you should expect your free bet balance to be boosted with the stake that you used to place the accumulator. Check before placing your bet what the maximum refund is, as this could differ between each bookie.

Popular Betting Markets for ACCA Insurance

Let's firstly establish the vast majority of accumulator bets are placed on the outcome of football matches. Secondly, Acca Insurance is generally designed for football punters and the most popular football betting markets for accumulator insurance are as follows:

Although football betting is probably the most popular, it definitely isn't the only sport and you might want to enjoy Acca Insurance for, with the following sports also available to use on this promotion:

You will generally find that horse racing isn't included as part of Acca Insurance considering this sport often has its own promotions and you should check with your bookmaker before deciding to go ahead and place an accumulator bet.

BrandTotal SportsCash OutBet BuilderBonus Free Bet ValueVisit Site
Established 2019
48 Yes No 50
Established 2008
34 Yes Yes 10
Established 1997
25 Yes Yes 30

Advantages and Disadvantages to Live Betting

It's now got to the stage where more In-Play bets will be placed on a televised football match than pre-match bets, with almost every bookmaker offering the service. This clearly indicates that an increasing number of customers are enjoying live betting markets, with the bookmakers catering for demand by offering hundreds of In-Play betting options throughout the ninety minutes. Some of the markets are similar to the pre-match versions and others are over a shorter period.

The biggest advantage to live betting is the opportunity to gauge what is happening in a sporting event before placing a bet. You might start out with some preconceived idea about how a game might pan out, although seeing is believing and it's nice to get a gauge of the pattern of play before deciding which way to bet.

It's clearly also exciting to enjoy an In-Play bet on a sporting event, especially if you're watching the action unfold. Nothing quite beats the thrill of backing a particular selection and seeing the live odds on that pick shorten, especially if it ends up being settled as a winner.

The other discernible advantage is that you can often Cash Out your In-Play wager, and that means the chance to potentially make a profit without your bet being settled as a winner. You can, therefore, have a strategy of backing a price that you think will shorten over time and allow you to either take Cash Out or Partial Cash Out to gain an edge over the bookie.

Now we come to the disadvantages. Firstly, you don't have as much thinking time when it comes to Live Betting. If you're a betting customer who likes to do some research before placing bets, then you might find it difficult keeping pace with what's happening and betting accordingly. Having to bet on impulse doesn't always come naturally to customers.

Secondly, it's harder to get a value price when it comes to live betting. Before a football match starts, you can compare the different bookmaker odds and pick out the price that you like, although it's virtually impossible to do this when the game is taking place. It therefore means you have to stick with one bookmaker.

The betting margins are generally less competitive when the event is In-Play. The bookies don't want to leave any loopholes and they will tread more cautiously with each price. There will also be a time delay when it comes to placing any particular bet, so you can expect a few seconds between bet placement and the bet actually being processed.

BrandIn-Play SportsCash Out In-PlayIn-Play MultisLive StreamingVisit Site
Established 2001
31 Yes Yes Yes
Established 2020
27 Yes Yes No
Established 1997
16 Yes Yes Yes

The other discernible advantage is that you can often Cash Out your In-Play wager, and that means the chance to potentially make a profit without your bet being settled as a winner. You can, therefore, have a strategy of backing a price that you think will shorten over time and allow you to either take Cash Out or Partial Cash Out to gain an edge over the bookie.

Now we come to the disadvantages. Firstly, you don't have as much thinking time when it comes to Live Betting. If you're a betting customer who likes to do some research before placing bets, then you might find it difficult keeping pace with what's happening and betting accordingly. Having to bet on impulse doesn't always come naturally to customers.

Secondly, it's harder to get a value price when it comes to live betting. Before a football match starts, you can compare the different bookmaker odds and pick out the price that you like, although it's virtually impossible to do this when the game is taking place. It therefore means you have to stick with one bookmaker.

The betting margins are generally less competitive when the event is In-Play. The bookies don't want to leave any loopholes and they will tread more cautiously with each price. There will also be a time delay when it comes to placing any particular bet, so you can expect a few seconds between bet placement and the bet actually being processed.

BrandSports with Cash OutCash Out - InPlayCash Out - AutoCash Out - PartialVisit Site
Established 2001
31 Yes Yes Yes
Min deposit requirement. Free Bets are paid as Bet Credits and are available for use upon settlement of bets to value of qualifying deposit. Min odds, bet and payment method exclusions apply. Returns exclude Bet Credits stake. Time limits and T&Cs apply.
Established 2020
27 Yes No Yes
18+, Welcome Bonus: New Players only, 1st Deposit, Min Deposit,: £10, max £10 free bet valid for 14 days, bets must be placed at odds of 1/1 or greater and be settled within 14 days of placement. System bets not eligible. Neteller,Skrill and Paypal not eligible. T&Cs apply. Gamble responsibly. www.begambleaware.org
Established 1997
25 Yes No No
Min deposit £/€/$10 • A qualifying bet is a ‘real money’ stake of at least £/€/$10 • Min odds 1/2 (1.50) • Free Bets credited upon qualifying bet settlement and expire after 7 days • Free Bet stakes not included in returns • Casino Bonus must be claimed within 7 days • To withdraw bonus/related wins, wager the bonus amount 40 times within 14 days • Casino Bonus expires after 60 days • Withdrawal restrictions, payment methods, country & Full T&C’s apply.

FAQ


The clear and obvious benefit of ACCA insurance is the ability to get money back should one leg of your accumulator bet let you down. You are effectively insured against having a near-miss with your multiple bet and it means that you can get money back as cash or a free bet when you bet an acca with certain bookmaker websites.

Yes, most ACCA insurance promotions require customers to pick selections at minimum odds. These could be 1/5 (1.20) or bigger and generally cover the vast majority of picks. However, it might not work if you put together an accumulator with extremely short-priced selections as the bookies generally require customers to take on a small amount of risk before proceeding with their bets.

ACCA insurance has become a more popular betting promotion in recent years and it caters for the millions of customers who enjoy an accumulator bet. The bookies know that they can encourage loyalty among punters by having an offer where customers get money back as cash or free bet in their account and they’ll keep coming back for more.

Virtually every ACCA insurance promotion will trigger a refund to their customer PROVIDING that only one leg of their accumulator bet has let them down and that they have selected teams above the minimum odds requirement. You will sometimes receive a notification from the bookie in question to let them know that you’ve received your ACCA insurance.

Yes, there is generally no restriction when it comes to the number of selections you can include in your ACCA. In fact, the bookies actively welcome customers putting together an accumulator bet with a large number of legs as there’s less chance of a punter winning with an enormous acca compared to one that has four or five selections included.

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