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Acca Insurance

Acca InsuranceAccumulator betting is one of the most popular forms of betting in the gambling industry at the minute. The potential to win huge sums of money from a relatively small outlay is something that punter are lapping up.

But, the increased odds obviously comes with its downfalls as it makes it tougher to win. Also, an accumulator bet is reliant on you getting every selection within your acca right. If you get just one wrong then your whole bet loses. At least, it did until the introduction of acca insurance.

See also: Acca bonuses

Football & All Sport Offers

The following offers are for all eligible customers. Please bet responsibly and begambleaware.org.
ladbrokes
Ladbrokes - Any Football Match
Free bet refund up to £10 on football match winner, BTTS and selected other accas from ANY league. Must contain at least 5 teams, minimum odds of 1/10 each leg and accumulative odds of at least 3/1.
More Details
T&C's Apply, 18+
Uk and Ireland only. One per customer per day. Match Result, Both Teams to Score, Result and Both Teams to Score, Correct Score and Total Goals Under/Over markets included. Free bet stakes and perm bets are excluded. Free bet credited within 24 hours, valid for 7 days. #ad
Boylesports - All Sports, All Markets
All pre-match and in-play markets on any sport are included in this free bet insurance offer. Your bet will need 5 plus legs each with odds of 1/2 or greater to qualify. Minimum stake is £5 with a £20 free bet the max refund.
More Details
T&C's Apply, 18+
18+. Min stake £/€5. Max refund £/€20. Min odds 1/2. Bet must be placed & settled same day. 1 free bet per day & expires in 7 days. Free/void/cashed out bets won't qualify. UK/IRE customers. T&Cs apply. #ad

Other Sports

The following offers are for all eligible customers. Please bet responsibly and begambleaware.org.
888
888 - American Sports, Including In-Play
All markets on American Football, Basketball, Ice Hockey, Soccer and Baseball are included in this offer both pre-match and in-play. The minimum qualifying stake is £5, there must be 5 or more legs each with minimum odds of 1.3 (3/10). Max free bet refund £25 if only one leg loses.
More Details
T&C's Apply, 18+
Only bets with 1 losing leg will apply. Perms are excluded. Void legs will not count as part of bet. Profit boost tokens and enhanced multiples will not qualify. Free bet will be credited within 72 hours, available for 7 days. #ad

What is Accumulator Insurance?

Betting Coupon and Football on Television

Accumulator insurance has been designed by bookmakers to offer their punters a little bit of cushion when placing these types of bets. Essentially, if just one leg of your accumulator loses and the rest all win, then the bookmaker will often refund your original stake.

That’s right, no longer do you need to curse your luck when just one team loses, now you will have a bit of insurance to soften the blow somewhat.

But, there are a number of key terms that the majority of bookmakers will add to what are essentially promotions. We have listed some of the more common ones below and you need to be aware that they may change slightly from bookmaker to bookmaker.

Minimum Odds

Number 5
The minimum number of selections needed to qualify for acca insurance is 5, while the minimum odds is usually 5/1.

first thing to consider is that qualifying bets must be placed at a minimum odds set out by that bookmaker. These will range depending on who you bet with, but most start from odds of around 5/1 and upward. So, if your odds are lower than this, then it’s likely your bet wont be eligible for this offer.

Some bookmakers may also include a maximum odds for these bets as well, although these are much less rare. We’ve seen them where they limit you to odds of between 10/1 and 50/1, so make sure you are aware of this, even though, as we say, it’s very rare these days.

It’s also worth noting that a bookmaker may require you to have a minimum odds for each individual selection as well. For example, they may state that every selection within your acca has be priced at 1.50 or greater. If a bet fails to meet this criteria then it could potentially removed from the promotion.

Limited Leagues and Competitions

German Flag & Football
Acca insurance often applies to the top European Leagues including the Bundesliga – The German Premier League.

A lot of bookmakers will only allow you to place these bets on certain leagues or tournaments from around the world. For example, one of the main players in the industry state that you can only include bets from games within England, Germany, Spain and Italy, with any other selections not being eligible for this offer.

Some bookmakers will also exclude certain tournaments as well. We noticed that in the 2016 European Championships, quite a few of the bigger bookies actually pulled this offer for bets within the tournament.

Limited Sports

Dart in flight

Many people associate accumulator betting with football, but you can include the betting format in pretty much all sports. But, again the bookies might not cover these sports for their acca insurance. We know that darts acca betting is very popular, but we have also noticed that a few bookmakers limited their acca insurance deals strictly to football, so bets on darts wouldn’t actually be eligible. Same goes for horse racing!

Minimum Number of Selections

Each bookmaker will require you to have a minimum number of selections within your bet, usually 5. This means that any accumulators that have less than this number wont be eligible to claim the offer.

How is the Money Refunded?

Young Man on Laptop with Falling Money
Acca insurance promotions are usually added to your account as free betting credits

More often than not, the money that you receive from your insurance will be refunded in the form of a free bet. There may be times where the bookmaker will refund the money in cash, straight back to your betting balance, but this is very rare and almost unheard of.

The amount you are going to get back is also going to be limited to the promotion. Generally you will find that most bookmakers will refund up to about £20 worth of bets, but usually they are a 100% match of this amount.

Cash Out

Any bets that are cashed out wont be eligible to claim acca insurance. So, if one leg is losing and you cash your bet out, you wont be eligible to claim a refund on your original stake.

Acca Insurance Example

We are going to place an accumulator bet with a bookmaker who is offering acca insurance. The bookmaker insists the following terms for this bet (pretty much industry standard and what are likely to find from most bookmakers):

  • Min odds per selection: 1.50
  • Min odds per accumulator: 5.00
  • Min number of teams to qualify for acca insurance: 5
  • Sports included: all
  • Offer: £20 max return if 1 leg loses; 100% match
  • Min stake amount: £10

We place the following bet bearing in mind the terms mentioned above:

  • Newcastle V Sunderland – BTTS Yes – Odds: 2.10
  • Manchester United v Manchester City – BTTS Yes – Odds: 1.70
  • Liverpool v Everton – BTTS Yes – Odds: 1.60
  • Cardiff v Swansea – BTTS Yes – Odds: 2.00
  • Real Madrid v Barcelona – BTTS Yes – Odds: 1.80

The odds for this are 20.56 and we place a £10 bet. This shows that we have ticked all the boxes to be eligible for the acca insurance as mentioned above. The results of the match are as follows:

  • Newcastle V Sunderland – 2-1
  • Manchester United v Manchester City – 1-0
  • Liverpool v Everton –2-2
  • Cardiff v Swansea – 4-1
  • Real Madrid v Barcelona – 3-2

From our bet, all results have won for the BTTS market apart from the Manchester United v Manchester City game. This means that 1 leg of our 5-fold accumulator has lost.

But, as we have met the terms for the acca insurance, we are eligible for a refund of our original bet of £10 and the money is credited to our bonus account.

Accumulator Insurance v Accumulator Bonuses

You Win on Mobile Phone
Bookmakers may also offer bonus concessions on winning football accumulators

On top of acca insurance, some bookmakers are going to be able to offer you an acca bonus. The acca bonus works slightly differently, in that you need all of your results to come in, but the more successful results you have within that acca, the bookmaker is going to pay you a bonus on top of that.

Acca Bonus Example

Bet Type Bonus % Returns Returns Post-Bonus % Variance (£)
4 Folds 5% £50 £52.50 £2.50
5-6 Folds 10% £50 £55 £5
7-9 Folds 20% £50 £60 £10
10+ Folds 30% £50 £65 £15

For example, for a winning 4-fold you might get 5% of your winnings added on and for a 10-fold accumulator you might get 30% of your winnings.

The insurance and the bonus both have their merits. The insurance is great for bets that you think might be tight. If you’ve included a selection that you aren’t quite sure on or you think could go either way, then we would recommend that you choose insurance.

The bonus is good for shorter priced selections that are much more likely to win. You are able to add more these to your bet and as you do, the percentage of bonus is going to increase. But, we would also say that if you are looking to target the bonus over the insurance make sure you add a good number of selections to your acca as you are likely going to find that a 5% bonus for a 5-fold might not work out to be more money than your original stake anyway.

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