Best Acca Insurance Offers
Accumulator insurance or acca protection is one of the most popular online bookmakers offers available with the leading sportsbooks. It’s well worth your while looking at what it is, where the best acca insurance can be found and how to pick the promotion that is right for you as a bettor.TOP 10 Acca Insurances
Acca Insurace From UK Bookies (April 2022)
*Significant Terms: This offer is available to new and eligible bet365 customers. This promotion is available from 11:59:59 UK Time 13 February 2020. It applies to...Show More
*Significant Terms: This offer is available to new and eligible bet365 customers. This promotion is available from 11:59:59 UK Time 13 February 2020. It applies to winnings on pre-game parlays (accumulators) of 2 or more selections for MLB/ NBA/ NFL/ NHL on 2-way markets, including Game Totals, 1st Half Totals, 2nd Half Totals, 1st Half Point Spread, 2nd Half Point Spread, and Spread/Run Line/Puck Line.If you choose to edit your bet with the Edit Bet feature, the bonus will be calculated based on the new stake. If you edit your bet to amend or include a selection for an event that is In-Play, the bonus does not apply. The maximum bonus that can be received for this offer is £100,000 - or currency equivalent. If you fully Cash Out your stake, the bonus does not apply. Where your stake has been Chased Out only partially, the bonus is calculated based on the active stake that remains. The bonus will apply where all selections within the bet have been marked as won and this has been Cashed Out for the full return value. This bonus will not apply for bets you place on alternative life/spread/total markets. It will also not apply for bets you place with Bet Credits, fixed odds Parlay Cards, Teasers, or combination bets with bonuses like Lucky 15s, Lucky 31s, etc. Full T&Cs apply.Show Less
What is Acca Insurance?
Acca insurance offers return the stake you place on an accumulator, typically as a free bet up to a certain amount, if the wager meets certain conditions and one leg isn’t a winning outcome. This promotion is typically for pre-match football betting but, depending on the bookmaker in question, may extend to other sports too.
This isn’t a free bet accumulator as such, because the acca you place has to have that one element in it which lets you down. Nor is it an acca refund unless specified, as you are only getting the chance to get your cash stake back by placing another wager which the bonus token awarded. It may be useful to work through an example.
You place a £5 fivefold football match result accumulator on a big matchday like Boxing Day. The five legs and odds are as follows:
- Manchester United to beat Leicester City at 7/5 (2.40)
- Aston Villa to beat Crystal Palace at evens (2.00)
- Southampton to beat Fulham at 13/10 (2.30)
- Chelsea to beat Arsenal at evens (2.00)
- Everton to beat Sheffield United at 4/5 (1.80)
This bet has total combined odds of 38.74/1 (39.74). Your £5 stake would return £198.72, yielding £193.72 in profit. However, Fulham v Southampton finishes in a draw and the other four results go your way. As just one leg let you down, acca insurance offers cover this bet. Those cumulative odds should satisfy most criteria specified with these promotions, so you receive a £5 free bet bonus as compensation.
That is the major advantage of accumulator insurance for bettors. While it’s frustrating to just miss out on turning a major profit of a relatively small stake, you get another opportunity without risking further cash. When the bookies are feeling generous, there are even instances where a full acca refund rather than free bets are given.
How to Pick the Best Acca Insurance Offer
The best acca insurance needs to tick a few boxes now that they have become a popular promotion run by the bookies who let you bet online. You have important considerations to think about when weighing up one offer against another, and this may depend on the type of bettor you are or the sports you gamble on. Here are the key areas that will help you choose from the acca insurance offers available:
Know Your Bookmaker
Trusting the sportsbook on which you place your bets, including accas, is paramount. The online bookie you use has to be reliable and reputable. Before looking at any acca insurance offers, make sure they are certified and fully licensed in your region. For British bettors, the UK Gambling Commission issues licenses. You should also read bookmaker reviews so you know what to expect from a sportsbook, and whether or not they offer acca protection among their promotions.
Free Bet Value
Some acca insurance offers provide larger maximum stakes than others. While the whole principle of an accumulator is that these bets have big returns off a small investment if everything goes right, you still want to get the greatest amount covered possible. Typically, the maximum stake for acca protection ranges from £10 at the lower end up to £50. Finding out in advance how much cash you can bet on your accumulator allows you to see the size of the free bet or acca refund you get back.
Number of Legs
You could argue that the best acca insurance promotion out there online is the one with the fewest number of legs to the bet needed to qualify. Most free bet accumulator offers specify a minimum of four or even five selections from different events on the betslip, although you may even find a few that include trebles (three legs). The fewer the selections required, then the easier it is to put a bet on that qualifies for acca protection. Remember, if more than one leg doesn’t come off, then accumulator insurance won’t cover your stake.
Minimum Odds Requirement
All acca insurance offers will have a minimum odds requirement that you need to meet for a bet to qualify. Each online bookie approaches this differently. Some may have a threshold of shortest prices for individual legs of the wager. Others look at the combined odds, saying that the minimum odds must be over a certain total cumulative price. This may mean certain selections cannot feature in the bet, or you may need to add an extra leg to the wager in order or it to meet the requirements.
Accumulator insurance was brought in as an offer in response to the rising popularity of weekend football accas being placed by bettors as an alternative to playing the pools. However, other sports may qualify with certain bookmakers. From American football to tennis, it is worth checking if your favourite sport qualifies for acca protection as it gives you extra incentive to combine multiple fancies on the same betslip.
TOP 10 Acca Insurance Offers (April 2022)
🥇 #1 Acca Insurance
✔️ No min odds and max refund
💷 Paid out in cash
Betfair Acca Insurance
With Betfair acca insurance, you can choose whether to have it apply or not to your accumulator bet. Their acca edge promotion comes into effect with an additional box to tick on the betslip before you place the wager. If one leg lets you down, then the wager pays out at adjusted odds. Any accumulator you put on without selecting acca edge, however, won’t be covered. Here are those all-important terms and conditions:
|Minimum odds||There are no minimum odds specified with Betfair acca insurance, but the Best Odds Guranteed promotion from horse racing works in tandem with this offer.|
|Maximum Refund||There is no maximum refund with acca edge, you get your money back as cash rather than a free bet.|
|Markets||All sportsbook markets apart from each-way bets and taking the starting price (SP) of a racehorse or greyhound are eligible for Betfair acca insurance, but this does not apply to exchange bets at all.|
|Free Bet Expiration||As the acca refund is paid in cash as an adjusted winning bet rather than free bets based on your stake, there is no expiry date because no bonus tokens are received.|
|# of Selections||Acca edge applies to trebles and above, so there needs to be a minimum of three selections in the wager.|
Betfair acca insurance takes a completely unique approach among this type of offers. There are very few restrictions specified with no minimum odds. There is a lot to recommend Acca Edge to bettors as a losing bet still pays out at an adjusted price.
✔️ Min odds: 1/10
✔️ Min selection: 5
☝ Max refund: £10
Ladbrokes Acca Insurance
Ladbrokes acca insurance is available to all new and existing customers in the UK and Ireland, alongside an accumulator boost that enhances your potential winnings. You can qualify for the acca protection once per day and this applies to your first qualifying bet. Significant terms and conditions are listed below:
|Minimum odds||There are minimum odds requirements both for individual legs and the acca as a whole for it to qualify. A selection must be at least 1/10 (1.10), and the total combined odds 3/1 (4.00) or greater.|
|Maximum Refund||The maximum refund with Ladbrokes acca insurance is £10.|
|Markets||This covers the following pre-match football markets: Match Result, Both Teams to Score, Match Result and Both Teams to Score, Correct Score and Total Goals: Over/Under. Straight line accas, i.e., only one selection per event, only qualify.|
|Free Bet Expiration||Your free bet expires after seven days of issue and will be credited to you within 24 hours of your qualifying bet being settled.|
|Other T&Cs||As this offer is also known as Ladbrokes 5 team acca insurance, your accumulator must contain at least five legs in order to count.|
The Ladbrokes 5 team acca insurance offer is generous in some respects but not others. That minimum odds threshold per leg is incredibly generous, but that is offset by the fact you need to find five different event selections to include on your betslip. With the max refund being £10, this is at the lower end of the scale compared to competitors.
✔️ Min odds: 1/5
✔️ Min selections: 4
☝ Max refund: £10
Paddy Power Acca Insurance
With Paddy Power acca insurance, the net is cast wider than their rivals. The promotion is of course open to new and existing customers, but applies to Bet Builder bets as well as standard pre-match accumulators on a single line. Here are some of the most important terms and conditions relating to this offer:
|Minimum odds||Minimum odds per leg of 1/5 (1.20) are specified here, but there is no cumulative threshold for the acca as a whole.|
|Maximum Refund||It’s a £10 maximum refund credited as a free bet by 12pm UK time the following day.|
|Markets||The Paddy Power acca insurance covers all sports and all markets, plus Bet Builder bets too. However, be aware that permutation bets do not count|
|Free Bet Expiration||The free bets you receive will expire after seven days of being credited to you. This is not returned with any winnings you make from it.|
|# of Selections||Your accumulator must have four legs, all of which take place, in order to be covered. If an even gets postponed or abandoned and becomes void, then your wager no longer qualifies.|
As the Paddy Power acca insurance can apply to any sports and markets, apart from enhanced Paddy Power Prices, that is a huge positive. It’s also generous to see the Bet Builder function covered by it too. The minimum odds threshold is also very reasonable, and the four legs requirement is an industry standard. It’s just a pity that you can only get up to £10 back as a free bet, but this is only a minor complaint.
✔️ Min odds: 1/5
✔️ Min selections: 5
☝ Max refund: £20
William Hill Acca Insurance
Through William Hill acca insurance and their Acca Freedom promotion, you are in control. You can choose whether to boost a threefold (and above) accumulator, or go for acca protection on a fivefold (and more). We’re concerned with the latter here, so these are important terms and conditions you need to know:
|Minimum odds||Each leg of the accumulator must have minimum odds of 1/5 (1.20) to qualify. There is no specified total cumulative price that the wager has to meet.|
|Maximum Refund||You can get money back up to £20 as a free bet if opting for the accumulator insurance with William Hill.|
|Markets||Pre-match sports market except for horse racing, greyhounds and virtual sports, and handicap or points betting qualifies for this offer. Flash Odds and other enhanced prices don’t count.|
|Free Bet Expiration||You have 30 days from when the free bets are issued to use them before they expire.|
|# of Selections||For William Hill acca insurance to cover your bet, there must be at least five selections from different sports events in the wager.|
Having the choice between William Hill acca insurance and boosting the odds definitely holds some appeal, but you do need to have more legs to get the protection than to qualify for an enhancement. The length of time you have to use free bets is big plus here, and the minimum odds requirement is pretty decent too. There is a good size to the max refund, with the only other downside being that horse racing – a popular betting sport – isn’t included in the offer.
✔️ Min odds: 1/3
✔️ Min selections: 5
☝ Max refund: £10
Betfred Acca Insurance
As well as their well-earned reputation for being the bonus king, Betfred acca insurance is another of their popular offers. This bookie has really embraced football betting since its rise to prominence. That is reflected in this promotion, so here are the main Betfred acca insurance rules laid out in the terms and conditions:
|Minimum odds||The minimum odds required per leg of the bet is 1/3 (1.33). It must be a straight accumulator too, with no permutation bets applying.|
|Maximum Refund||It’s an acca refund of up to a maximum £10 as a free bet through this offer.|
|Markets||Betfred acca insurance only covers the match result markets on the following leagues and football competitions: English Premier League, Championship, EFL League 1, EFL League 2, National League, FA Cup, League Cup, EFL Trophy, Champions League, Europa League, Scottish Premiership, Scottish Championship, Scottish League 1, Scottish League 2, Scottish FA Cup, Scottish League Cup, Spanish La Liga, World Cup, European Championships, UEFA Nations League, International Friendlies, German Bundesliga, Italian Serie A, French Ligue 1, Dutch Eredivisie, Portuguese Super Liga, Coupe de France, Coupe de la Ligue, DFB Pokal, Coppa Italia and Copa Del Rey.|
|Free Bet Expiration||Your free bet will be with you within 24 hours of the accumulator settling, and you then have seven days to use the bonus before it expires.|
|# of Selections||You must have five or more selections on the accumulator for it to meet Betfred acca insurance rules specified.|
Betfred acca insurance is crystal clear about which leagues and competitions it can be used on. It is a shame that it doesn’t apply to more markets besides just the match result, and there are firms out there which allow selections are shorter prices, but this is a very popular promotion with bettors.
✔️ Min odds: 4/1
✔️ Min selections: 5
☝ Max refund: £10
BetVictor Acca Insurance
The BetVictor acca insurance offer is run along similar lines to many others listed here. With that in mind, we know that you will want to know what the terms and conditions have to say about this particular promotion:
|Minimum odds||The total combined odds of the accumulator must be 4/1 (5.00) or above. There are no specified minimum odds for each leg of the wager with this offer.|
|Maximum Refund||You get a maximum refund of £10 once per day on qualifying accumulators placed through BetVictor.|
|Markets||The Match Result and Both Teams To Score markets for football from selected leagues are ones that apply for acca protection here.|
|Free Bet Expiration||Your free bet acca refund is only available for three days before expiring.|
|# of Selections||To get BetVictor acca insurance, your bet needs to have five or more selections on it to qualify.|
When comparing BetVictor acca insurance to other bookmaker offers, it is a mixed bag. The refund size is the minimum standard, and there are a few promotions where fewer than five selections qualify for protection. The total combined odds are pretty reasonable, though, but the short shelf life of free bet bonuses is a downside. BetVictor could have been more generous in this regard.
✔️ Min odds: 30/100
✔️ Min selections: 5
☝ Max refund: £25
888Sport Acca Insurance
At 888Sport, acca protection is on offer in much the same way as other bookmakers. As noted above, each sportsbook has slightly different terms and conditions replating to accumulator insurance, so check out the important things that you should know about this bookie’s version of it:
|Minimum odds||In terms of minimum odds to qualify, this needs to be 30/100 (1.3) for each individual selection included in the wager.|
|Maximum Refund||Your maximum acca refund at 888Sport is £25 if one leg of the wager lets you down. The minimum stake you can place and qualify is £5.|
|Markets||The acca insurance applies to popular American sports leagues: NFL American football, NHL ice hockey, NBA basketball and MLB baseball.|
|Free Bet Expiration||The free bet refund you receive as a bonus token through this offer expires seven days after issue.|
|# of Selections||There must be five or more legs to your accumulator placed on 888Sport for it to|
The size of your refund you can get in the form of a free bet through 888Sport is bigger than other leading online bookmakers. This is tempered by the minimum stake being £5, as you can get qualifying accas insured for smaller sized bets elsewhere. The 888Sport accumulator insurance is great for lovers of US sports, but not covering football is a downside for any British bettors.
✔️ Min odds: 1/5
✔️ Min selections: 4
☝ Max refund: £10
Energybet Acca Insurance
With Energybet, accumulator insurance is all about weekend football. The rationale behind that seems to be that most people bet on games which take place on Saturdays and Sundays, as they attract the biggest audiences rather than midweek matches when people are working. Here are some of the other important terms and conditions:
|Minimum odds||The minimum odds requirements per leg are 1/5 (1.20). Note that this is more generous than the rollover requirements for the bonus outlined above.|
|Maximum Refund||It’s up to £10 back as a free bet for the Energybet acca insurance, but the bonus token comes with wagering requirements. They are 5x the value of any winnings you make from the bonus on bets of minimum odds of 3/4 (1.75).|
|Markets||Energybet acca protection is only valid on football match markets when the bet is placed over the weekend.|
|Free Bet Expiration||It isn’t made clear how long the free bet token last before it expires.|
|# of Selections||You need to have four or more selections in your accumulator in order for it to be covered with insurance.|
The presence of rollover bonus requirements with the Energybet acca insurance, and its limited availability on weekends are clear downsides. They could do with greater clarity about how long you’ve got to use any free bets you get back, but just needing four selections for an accumulator to be covered is a positive.
✔️ Min odds: 3/5
✔️ Min selections: 6
☝ Max refund: £50
Vbet Acca Insurance
The Vbet acca insurance puts its own unique take on this type of offer. Here, you can get an accumulator on in-play and have it covered by acca protection which is one area in which this online bookmaker stands out from the crowd. Here are some more of the key terms and conditions attached to this promotion:
|Minimum odds||Each leg of the bet must have minimum odds of 3/5 (1.60) in order for your wager to be covered by this offer.|
|Maximum Refund||You can get up to a maximum of £50 back as a free bet through the Vbet acca insurance.|
|Markets||Any football market, either pre-match or live in-play betting can be included. It isn’t clear if you can combine the two different types of bets on the same slip, however.|
|Free Bet Expiration||The free bet you get back in valid for 14 days upon the acca being settled. It is also important to remember that the qualifying wager must also be settled within 14 days of being placed, or you won’t get accumulator insurance covering it.|
|# of Selections||There must be six selections on your slip for the accumulator to qualify for acca insurance.|
Vbet gets a thumbs up for a high maximum stake of £50, although you can go as low as £2 and still get your bet insured. It is also refreshing to see in-play betting and live markets included in the offer. Six or more legs to the bet in order for it to qualify leaves you needing at least five winning selections which is quite a high level of difficulty, though, and other bookmakers have shorter minimum odds requirements.
✔️ Min odds: 4/1
✔️ Min selections: 4
☝ Max refund: £10
Betbull Acca Insurance
Accumulator insurance with Betbull works differently to other major online bookmakers. They use a two-tier system with Event Insurance covering a certain number of legs, and Full Insurance the entire acca. You select an insurance card from your profile after spinning the wheel once you have placed an accumulator or system bet. Here are some more details on how acca protection works at Betbull:
|Minimum odds||There will be specified total minimum odds attached to the insurance card which will tell you what the cumulative price of the accumulator needs to be to have acca protection on it. This is typically 4/1 (5.00) or higher.|
|Maximum Refund||The maximum free bet refund you can get through either Event Insurance or Full Insurance is £10.|
|Markets||It is not made clear in the Betbull terms and conditions what sports and markets qualify for either form of acca insurance, but it is implied as being used on football match result betting.|
|Free Bet Expiration||Insurance cards expire seven days after issue, while you have the same amount of time to use the free bet acca refund you receive once the accumulator has been settled.|
|# of Selections||The number of selections needed for an accumulator to qualify depends on the insurance cards you have. You can get Event Insurance for one, two and even three legs. That means the minimum number of selections is four.|
Betbull certainly takes a unique approach to accumulator insurance with its two cards. These are regularly awarded, and the fact that you can get Full Insurance is encouraging. The Event Insurance being up to three legs covered is also a plus. Some greater clarity of the offer’s terms and conditions would be helpful to bettors, though.
Your Acca Insurance Questions Answered
Which bookies do acca insurance?
Most of the leading online bookmakers provide one form or accumulator insurance or another. Each will take a slightly different approach towards such an offer, so when looking for a sportsbook on which to place your accas, it is well worth your while figuring out what makes each bookie unique. Some firms will go for broad coverage, while others set a low minimum odds threshold and the maximum acca refund in the form of a free bet will vary in size.
How does acca insurance work?
Acca insurance offers require you to place a qualifying accumulator bet that meets all the terms and conditions listed on the bookmakers’ sportsbook. It must fulfil minimum odds requirements, have a certain number of legs and above, and be made up of qualifying sports and markets. If one selection doesn’t win, then the acca protection kicks in and you receive money back as a free bet up to a set maximum. This gives you another chance to place a winning bet within a certain timeframe before that bonus expires. Acca insurance is extremely popular with bettors and is considered one of the best betting offers available on the market.
What sports does acca insurance work for?
This depends on the bookmaker. With Paddy Power acca insurance, for example, all sports and markets are covered. However, some online bookies have very specific set rules for what qualifiers for accumulator insurance and what doesn’t. Take Ladbrokes acca insurance, for instance. Placing an accumulator with them restricts you to just a handful of football betting markets if you want to get acca protection.
What is acca edge on Betfair?
On Betfair, acca edge if selected when placing your accumulator will settle the bet at an adjusted price even though one leg hasn’t come off. There’s no refund in cash or a free bet. Betfair acca insurance pays out as a winner at a price which reflects one leg losing. In simple terms, you take shorter overall odds for an accumulator in exchange for the insurance.
Is acca edge worth it?
Yes, the acca edge promotion is definitely worth considering. If all but one leg of your accumulator comes off, then the wager is settled as a winner but with the odds corrected to reflect the losing selection. This unique approach from Betfair acca insurance is something you may want to look into. Bettors mitigate potential loss in a big way thanks to acca edge.
Is Ladbrokes acca insurance any good?
If you want to include selections in your accumulator that are short-prices up to 1/10 (1.10), then yes, Ladbrokes 5 team acca insurance is useful. Just make sure you have five or more selections from the specified markets and the total combine odds of the bet are 3/1 (4.00) are bigger. This gets you a free bet acca refund of up to £10 if one leg of the wager lets you down.
Is there acca insurance on Bet365?
There isn’t Bet365 acca insurance right now, but there has been in the past. Some bookmakers go through phases of offering it and then putting on other promotions in their place. At the moment, the Bet365 acca bonus which provides extra winnings on top of your stake as a percentage based on how many legs there are in the accumulator is available instead. Check back in the future to see if Bet365 acca insurance gets reintroduced.
Is there a Coral acca insurance?
While Coral acca insurance has been available in the past, it is not currently available. This is a shame as some of the previous promotions gave bettors protection if multiple legs of big accumulators including tenfolds and up let them down. There is every chance that Coral acca insurance will return in the future, but for now they are focusing on awarding bonus winnings for successful accumulator wagers instead.
About the Author
Author, Betting enthusiast
Jamie Clark has been around horse racing and betting his entire life. His father and godfather ran a trackside bookmaker’s pitch at Market Rasen Racecourse in Lincolnshire for many years. Jamie was Sports Editor for Coral’s digital platforms between 2014 and 2017, and has since become a successful freelancer.