Acca Insurance on Football Betting – What is it and how do you use it?

Acca Insurance Offers

Betting on football accumulators is becoming ever more popular and so punters need to get the edge when taking on the bookmakers – acca insurance is one of the best ways to do this.

When you bet on an accumulator there is nothing worse than one leg letting your bet down – well with acca insurance, this will be a thing of the past because one leg letting you down means you don’t lose completely – bookmakers who have acca insurance will refund your stake.


What is Acca Insurance?

When you bet on an accumulator (5+ selections) and one selection lets you down, your bet is normally a loser. Not if you use a bookmaker with acca insurance though. When using one of these bookmakers, you’ll get the cost of your bet refunded back to you, usually as a free bet but be sure to check the terms and conditions from each bookmaker. The qualifying bet has to adhere to the rules of the bookmaker you have chosen to use and usually, there will be a min odds requirement for either the whole bet, or the legs individually.

Acca insurance is great because it reduces the risk of your accumulator bets, ideal if you are new to betting on football or just aren’t very good at it!


Best Acca Insurance Offers:

  • Paddy Power
  • Ladbrokes

Below are the current accumulator insurance offers and the bookmakers who are offering them, these are the only bookmakers we would recommend using for betting on football accumulators.


Paddy Power

Acca Insurance - Get a refund if one team let your accumulator down

Bet on an accumulator and get a refund if one team let you down. Max refund £10 per day, 4+ selections needed.

Max refund £10 per day. Min odds per leg 1/5. T&Cs apply.

Paddy Power acca insurance applies to any bet with 4 legs or more, on all markets and all sports. This makes it the best acca insurance that is available because of the flexibility. The promotion is available to new and existing customers but you cannot use it on enhanced odds markets.

We love the Paddy Power acca insurance and it is our number one choice if you are sick of seeing your footy accumulators lose because of one team!

  • Money Back as a free bet if one leg of your 4+ ACCA lets you down
  • Max ACCA Isurance free bet £10 per customer per day, referring to the day the qualifying bet is settled
  • Free bet will be available for 7 days from when it is credited
  • Free bet stake not included in any subsequent winnings



Ladbrokes acca offers


William Hill

William Hill have changed their acca offers and now you can either choose a boost to your accumulator odds, or acca insurance. This gives you great flexibility when placing an accumulator and if you want to use acca insurance then William Hill are a great choice.

Their offers are changing all the time to keep up to date with the latest promotions and be sure to use acca insurance on any high risk bets.

You also get a generous bet £10 get £30 sign-up bonus when you open a new William Hill account, which can be used to bet on our footy accumulator tips today.

Bet £10 get £30 in Free Bets

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18+. Play Safe. From 00:01 on 18.10.2022. £30 bonus. New customers only. Minimum £10 stake on odds of 1/2 (1.5) or greater on sportsbook (excluding Virtual markets). Further terms apply. #ad


Do bet365 have acca insurance?

At the moment, bet365 are another major bookmaker who do not offer acca insurance, however, they do have the bet365 Soccer Accumulator Bonus promotion where you get your winnings boosted when you bet on the top leagues. You can earn anything up to 100% on top of your original winnings when betting on an accumulator from the Champions League, Premier League, Serie A, La Liga and Bundesliga fixtures.

Soccer Accumulator Bonus - up to 70% bonus for accumulators.

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Up to 70% bonus for accumulators on selected leagues at bet365. Applies to pre-match accumulators of 3+ selections on the standard Full Time Result, Both Teams to Score or Result/Both Teams To Score markets only. Bonus percentage is dependent on number of selections. Bonus capped at £100k and applied to returns. Bet restrictions and T&Cs apply. New and eligible customers only. #ad


Best UK Accumulator Insurance offers

We have already pointed out the top four betting sites who provide acca insurance to their customers and now we can run through them one by one telling you the pros and cons about their UK accumulator insurance offers.


Betfred Acca Insurance


  • You can use this promotion every day.
  • Available online and on mobile.
  • Available on a wide range of leagues and competitions including all top flights.


  • Max. refund is only £10.
  • Minimum odds of 1/3 per selection.

Read about Betfred’s acca insurance here.

Betfred sign-up offer: bet £10 to get a £30 free bet.

Bet £10 get £40 in Free Bets & Bonuses

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New 18+ UK customers only. Register using the promo code WELCOME40, deposit and place first bet of £10+ on Sports (cumulative Evens+) within 7 days of registration. First bet must be on Sports. £30 in Free Bets and £10 in Free Spins (50x20p) credited within 10 hours of bet settlement. Free Bet stakes are not included in any returns. Bonuses have a 7-day expiry. Payment restrictions apply. SMS verification and/or Proof of I.D and address may be required. Full T&Cs apply.


Ladbrokes Acca Insurance


  • Minimum odds of 1/10 per selection.
  • Available on ALL football leagues.
  • One acca refund per day, per customer.


  • Max refund is only £10.
  • Free bet must be used within 4 days.

Ladbrokes sign-up offer: bet £5 to get FOUR free £5 bets.

Bet £5 get £20 in Free Bets

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18+ New UK+IRE Customers only. Certain deposit methods & bet types excl. Min first £/€5 bet within 14 days of account reg at min odds 1/2 to get 4x £/€5 free bets. Free bets available to use on selected sportsbook markets only. Free bets valid for 7 days, stake not returned. Restrictions + T&Cs apply.


Paddy Power Acca Insurance


  • Minimum requirement is only 4 legs, not 5.
  • One acca refund per day, per customer.
  • Can also be used on same-game multi bets.


  • Max refund is only £10.

Paddy Power sign-up offer: £20 CASH refund if your first bet loses.

Find an alternative to the Paddy Power offer

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What is the best acca insurance?

It is hard to determine the best acca insurance offer because it all depends what you want from the offer. Betfair’s acca edge promotion is great because it gives you your refund in cash rather than free bets, but the con of that is the odds of the original accumulator drops.

Paddy Power’s accumulator insurance is great because you only have to have four legs in the win markets football accumulator rather than the five you need to have at Betfred and Ladbrokes.

Betfair and Ladbrokes’ acca insurance offers are quite similar but Ladbrokes does just have the edge here because the minimum odds for each pick only has to be 1/10 or bigger, whereas at Betfred it needs to be 1/3. This would mean you couldn’t add a selection such as Manchester City to beat Fulham because they’d probably be around 1/7 to win the match.


How does acca insurance work?

When you bet on an accumulator there are usually two outcomes:

1. your bet wins or

2. your bet loses.

With acca insurance, this goes to three outcomes

1 your bet wins or

2 your bet loses or

3 one team let you down so you get a refund

Outcome 1 – your bet wins

When you place a football accumulator, you want to win. If all five selections are correct then the bet is a winner. Therefore there is no need for acca insurance to trigger. You get paid out as normal the full amount for your winning accumulator bet.

Outcome 2 – your bet loses

If two or more selections on your acca were incorrect, the bet is a loser. Acca insurance doesn’t apply here because more than one selection let your bet down. Unfortuately, this is just a straight loss – no payout and no refund.

Option 3 – one team let you down so you get a refund

Here is where acca insurance is triggered. For example, you bet on 5 teams to win their Saturday afternoon matches. Liverpool, Arsenal, Bournemouth, Leeds and Rochdale.

Four of the team win their matches but Bournemouth fail to win. Acca insurance now applies to this accumulator and so you are due a refund.

You will get the cost of your bet refunded back to you as a free bet (cash at Betfair) and the maximum refund will be £10.


Acca Insurance Terms and Conditions

Each bookie will have different T&Cs when it comes to their accumulator refund offers and promotions. These normally vary depending on the types of sports bets and when you use the free bet to spend on your next accumulator, you’ll find the stake not returned when collecting your winnings.


Acca Insurance Offers to Chose From:

Paddy Power sign-up offer: £20 CASH refund if your first bet loses.

Ladbrokes sign-up offer: bet £5 to get FOUR free £5 bets.

Betfred sign-up offer: bet £10 to get a £30 free bet.

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