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

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 bookamker 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!


Acca Insurance Offers:

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

Paddy Power acca insurance


Bet Victor

Bet Victor acca insurance



Ladbrokes acca offers




Where is the William Hill acca insurance?

At the start of this season, William Hill removed their acca insurance promotion and began to focus more on enhanced odds offers. So although you don’t get the insurance for your accumulators anymore, you could get a price boost on four 5-fold or above when placing your weekend accumulator bets at William Hill. However, if it is acca insurance you want, you need to look at one of the four recommended bookmakers above to get the money back 5 teams accumulator insurance.


Is there no acca insurance at bet365?

At the moment, bet365 are another major bookmaker who do not offer accu insurance, however, they do have their Euro Soccer 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.


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.

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


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.


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.


Betfair Acca Insurance


Stake refunded in CASH if your acca edge bet loses.

Only 3 legs required – not five.

Can be used across sports including football and horse racing


Odds of the accumulator goes down if you use Acca Edge

Betfair sign-up offer: up to £100 in free bets when you register.


What is the best acca insurance?

It is hard to determine the best accu 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 accumulato 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, where as 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.

All acca refund offers are paid in the form of free bets except the Betfair acca edge promotion, so we’d probably choose this one as the best acca insurance when betting on football. In truth, it is one of the best betting offers around because it not only runs on the football match result accumulators, it also stretches to horse racing.


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.


The Five Acca Insurance Offers to Chose From:

Betfair sign-up offer: up to £100 in free bets when you register.

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.

Bet Victor sign-up offer: bet £5 to get £30 in free bets.



Related Posts: