Acca insurance is a type of promotion where you get money back if your acca loses by a single leg and is one of the most popular amongst punters.
Accumulators are one of the most interesting, strategic and exciting ways of parting with a small amount of cash for the potential of big money pay-outs, and having a little bit of insurance– something to help ease the blow of losing a huge win on a single hurdle– can only help sweeten the deal.
However, not all acca insurance offers are made equal, and we never want you to settle for anything less, so we’ve broken down the absolute best bookmakers with acca offers below.
You can also read ours posts about the best bookmakers promotions and best odds guaranteed bookmakers.
What Makes Acca Insurance So Popular?
The popularity of acca insurance, we think, is fairly self-explanatory. This is a promotion, after all, which doesn’t require anything additional from you. If you were going to place an accumulator bet anyway, then the existence of acca insurance can have nothing but a positive impact because you don’t need to put down anything in addition or do any further actions in order to qualify. It’s one of the few promotions that truly only seems to have a favourable effect, and that is a huge part of the reason why we think it is so popular.
What it offers too is no small thing. It allows you to claw back your stake in what is no doubt a devastating loss, considering the potential amount lost from an accumulator is likely to be much, much greater. And of course, a big part of its popularity is to do with the popularity of accumulators more generally. This type of betting has captured the imagination of millions, thanks to its ability to provide a consistent thread of interest across tournaments and for the potential to earn big money.
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#1
 888sport
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T&Cs APPLY, 18+ ONLY
Min bet £5 • Min legs 5 or more on any American sports market • Min odds 3/10 (1.3) or greater on each leg • Max refund £25 • Free Bet stakes are not included in bet returns • Free Bet tokens expire after 7 days • Withdrawal restrictions and full T&Cs apply |
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#2
 Betfair
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T&Cs APPLY, 18+ ONLY
New customer offer. Place a min £10 bet on the Sportsbook on odds of min 1/2 (1.5), get £30 in Free Bets. Rewards valid for 30 days. SMS verification required. Only deposits via cards or Apple Pay will qualify. T&Cs apply. Please Gamble Responsibly.Full T&Cs apply. BeGambleAware.org #ad |
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#3
 betway
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T&Cs APPLY, 18+ ONLY
New UK customers only. Min Deposit: £5. Maximum Free Bet: £30. First bet on a Football multiple with 3+ selections. Overall odds: 3.00 (2/1) or higher. Free Bets available upon settlement of the qualifying bet. Debit card deposits only. This is offer is valid for 7 days from your new account being registered. 18+ BeGambleAware.org Full Terms Apply. |
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#4
 BoyleSports
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T&Cs APPLY, 18+ ONLY
Free Bet if one leg loses in your 5+ Acca. Applies to All MARKETS on ALL SPORTS inc. pre-live and in-play! 18+. Min stake £/€5. Max refund £/€20. Min odds 1/2. T&Cs apply |
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#5
 Ladbrokes
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T&Cs APPLY, 18+ ONLY
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 = 4x 5 free bets. Free bets valid for 7 days, stake not returned. No cashout, restrictions + Full T&Cs apply. BeGambleAware.org #ad |
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#6
 Betfred
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T&Cs APPLY, 18+ ONLY
Applies to pre-match 5-fold+ match result accumulators placed on selected leagues. Min odds per leg of 1/3. Free bets paid within 24 hours, max £10 and removed after 7 days. Does not apply to Cashed Out or in-play bets. Full T&Cs Apply. |
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#7
Paddy Power
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T&Cs APPLY, 18+ ONLY
Applies to all sports and all markets. Excludes Horse Racing. Max free bet £10 per day. Min odds per leg of 1/5. You can include multiple sports within the same Acca. T&Cs apply. |
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#8
 William Hill
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T&Cs APPLY, 18+ ONLY
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. See full terms below. Full T&Cs apply. BeGambleAware.org #ad |
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#9
 Coral
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T&Cs APPLY, 18+ ONLY
18+ New UK+ ROI Customers only. Deposit & Bet min £5 as first bet at minimum odds 1/2 to qualify for 1x £20 Free Bet. Certain deposit methods and bet types excluded. Free bet valid for 7 days, stake not returned. Restrictions apply. Full T&Cs apply. BeGambleAware.org #ad |
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What Makes the Best Acca Insurance Bookmakers?
One of the strengths of acca insurance is that it is simple. As a concept, it does not take long to understand, and it tends to come with fewer restrictions than more convoluted promotional examples. However, that doesn’t mean that acca insurance is all the same.
Key things which differentiate these offers include minimum selections– in other words, the minimum leg accumulator that qualifies for this acca insurance offer. If for instance, you need a minimum of 15 legs in order for the acca offer to be used, then that would severely restrict the number of people that could benefit from it.
Other distinctions include the variety of sports it can be used on, the minimum odds criteria, the maximum refund amount alongside the general quality of the sportsbook in question, because everything, from the live betting experience to acca insurance offer, comes together to create the complete online betting experience. We’ll be looking at all of this while we break down the top bookmakers for acca insurance.
888Sport American Acca Saver
| Stake Returned | In Free Bets |
| Sports/Markets | Any American sports market, including the MLB, MLS, NFL, NBA and NHL |
| Maximum Refund | £25 |
| Minimum Legs | 5-Folds+ |
| Minimum Odds | 1/2 (1.3) Per Leg |
This is a really interesting one – because the 888Sport American Acca Saver is, as its name suggests, focused on specific American markets, such as the NFL, NBA, NHL and MLB. While this may disappoint some, we always appreciate it when bookmakers try to encourage people to bet on new things and expand their horizons. This is backed up by a quality offer with a minimum of five legs, outstandingly low minimum odds of 1.3 per leg and a solid maximum refund of £25, all wrapped up in a great bookmaker.
Betfair Acca Edge
| Stake Returned | In Cash |
| Sports/Markets | All |
| Maximum Refund | None |
| Minimum Legs | 3-Folds+ |
| Minimum Odds | None |
The rather convincingly titled Betfair Acca Edge isn’t just a cool name: it backs it up with a great deal for its customers. What really makes this stand out is that the stakes are returned in cash rather than in free bets, the minimum legs is a measly 3 fold and there is no stated minimum odds, maximum refund and while there are restrictions on things like each-way accumulators, no sports are singled out. It’s even available for Cash Out, making this one– just like Betfair in general– a step ahead of the pack.
Boylesports Acca Insurance
| Stake Returned | In Free Bets |
| Sports/Markets | All |
| Maximum Refund | £20 |
| Minimum Legs | 5-Folds+ |
| Minimum Odds | 1/2 (1.5) Per Leg |
No gimmicks nor fancy names here: Boylesports Acca Insurance is instead sticking to what they know, and what they know is how to provide a consistently high-quality betting product. For starters, this is available on any market and on any sport, has a solid minimum stake of £5, and equally fair 5-fold minimum selection, and a solid £20 maximum refund. This is returned to you in the form of free bets which you have a week to enjoy. Solid stuff from a no-nonsense bookmaker.
Ladbrokes Acca Insurance
| Stake Returned | In Free Bets |
| Sports/Markets | pre match, match result, both team to score, match result & both teams to score, correct score or total goals over/under |
| Maximum Refund | £10 |
| Minimum Legs | 5-Folds+ |
| Minimum Odds | 1/10 per leg, 3/1 combined |
They proudly call themselves the best acca insurance around and considering the astonishing amount of competition that is out there, that is no small order. Indeed, the Ladbrokes accumulator options are generally hugely impressive, with an incredible number of features including editing, bet tracing, odds boosts, cash out and of course, insurance.
What sets this apart are the terms and conditions. These state that you only need 1/10 odds per selection, coming to combined odds of 3/1. The standard £5 stake is the minimum, and the only real downside is the maximum refund is £10. But if you aren’t planning in putting down more than that, this is pretty much a perfect option.
Betfred Acca Insurance
| Stake Returned | Free Bets |
| Sports/Markets | Football |
| Maximum Refund | £10 |
| Minimum Legs | 5-folds+ |
| Minimum odds | 1/3 per leg |
Betfred is a brilliant bookmaker with as much to offer the high street punter as they have millennials making bets on their phones. This bonus is just one of the many things Betfred do to sweeten the deal, and we know their customers love their 5-fold+ match result betfred acca insurance for pre-match Football games. Min odds per leg of 1/3!
Paddy Power Acca Insurance
| Stake Returned | In Free Bets |
| Sports/Markets | All Sports & Markets (except Horse Racing) |
| Maximum Refund | £10 |
| Minimum Legs | 4-Folds+ |
| Minimum Odds | 1/5 (1.2) Per Leg |
This one has “All Sports All Markets” in its title, so there are few prizes for guessing where you can utilise this acca insurance offer. Considering this is the mighty PaddyPower we are talking about here, that is quite frankly, a massive amount of choice. Once again, they have a low minimum refund; but, like Ladbrokes, they make up for it when it comes to low minimum odds of 1/5 and a small minimum amount of legs (it’s available on 4+fold Acca and same game multi-bets to boot).
You’ll have seven days to use your free bet, and thanks to the quality of PaddyPower, you should have little issue finding something to catch your eye in that time.
William Hill Acca Freedom Insurance
| Stake Returned | Free Bets |
| Sports Markets | Over 70 sports and various markets |
| Maximum Refund | £20 |
| Minimum Legs | 5-Folds+ |
| Minimum odds | 1.2 per leg |
With William Hill's Acca Freedom Insurance, it's your choice whether to boost your acca's odds or to insure it. If you go down the insurance route, simply add 5+ selections of minimum odds of 1/5 per selection, click on Rewards Available to apply, and select Insurance. If your acca falls short because of one selection, any stake up to £20 will be refunded as a free bet. With such a dizzying array of markets, there's no doubting the quality of this offer.
Coral Acca Insurance
| Stake Returned | Free Bets |
| Sports/Markets | Football |
| Maximum Refund | £25 |
| Minimum Legs | 5-folds+ |
| Minimum odds | 4.0 or greater |
This example is almost identical to the one we looked at previously, including the sad fact that it will be some time before we can expect to see any news on when the Coral Acca Insurance will become available again. That said, it was, and hopefully will be again, a terrific promotion with a high maximum refund and even better minimum odds than many of its competitors. Great stuff from one of the key juggernauts of the British gambling scene.
How to Use Acca Insurance
Obviously, there are lots of different bookmakers, and how they operate is entirely down to them. However, considering how competitive the market is, it is in their best interests to make it as simple as possible for users.
In general, all you need to do in order to receive an acca bonus is to ensure that your accumulator adheres to the terms and conditions. That includes making sure that it has the correct minimum odds, is on the approved sports and so on. If your bet is eligible and you lose by a single leg, then your free bet or cash should begin processing automatically.
In other words, it is quite rare to need something like a bonus code or anything else like that to confirm you want this bonus. Most betting sites assume that, if you have stuck to the criteria and you lose by a single leg, you want acca insurance. Obviously, double-check with your sportsbook that this is the case, and you can always ask customer service, but usually using acca insurance is not any more complicated than that. This should also be the case if the promotion is available on mobile.
What Other Acca Promotions Are Available?
Further sweetening the deal with accumulator betting are the other promotions that are relevant to fans of the market. Acca insurance is far from the only bonus that bookmakers offer in this regard.
Let’s start with bet boosts. These are nice and simple: they give you better odds on your selections, meaning more money if you win. They don’t get much simpler or much more generous than that. There are also free bets– yes, we know you can receive free bets as part of an accumulator insurance bonus, but that’s not what we are talking about here. You can actually use free bets in some occasions – for instance, the kind you get from a welcome bonus – on accumulators, meaning you have the chance to win big with no or very low monetary risk on your part.
There are also percentage bonuses, which are similar to bet boosts in that they add extra funds onto your winnings – although in this case, it’s as an overall percentage rather than as an increase on odds. Lastly, accumulators can also count towards various loyalty schemes, so long term customers can also benefit.
These are just some examples of the types of common bonuses you can find. Often, they are tournament or event-specific, and of course, really the only limit to promotions is the imagination of the bookmaker.
FAQs
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This is a promotion which provides you with your stake back, either as a refund or in free bets, if your accumulator loses by a single leg.
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This depends on the bookmaker’s terms and conditions, but the lowest we have seen is three, with five being much more common.
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Once again, this depends on the bookmaker. Some of them will allow you to utilise this promotion in most markets, while some are specific to individual sports or leagues, with football being the most common.
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A refund means you get your stake back and can withdraw it at once. A free bet refund means that you get your money back in the form of another bet, so you would have to win that subsequent bet to receive any money. For this reason, the former is viewed as more valuable.
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Absolutely – bet boosts and percentage bonuses, for instance, are quite common. On top of that, accumulators can be used as part of loyalty schemes and can often be used for free bets from other promotions.
ThePuntersPage Final Say
We view the accumulator insurance promotion as a way of enhancing what is already one of the most interesting ways to bet. It is a bow in the accumulator arrow, alongside other promotions, a great sports betting selection and an excellent online betting experience more generally.
Often with bonuses, you have to weigh up the pros and the cons to see whether it is worth your while, but here – assuming you were planning on betting on an accumulator anyway – there’s pretty much no downside at having an extra chance at getting your money back. It’s that rare thing in the world of betting: a promotion that is, at its core, pretty much conceptually perfect.
Ben has been a copywriter for over a decade, with vast experience on just about everything sports related. If it has a ball in it, or someone gets to bet on it, he’s probably already obsessed with it. He resides in Yorkshire, where his articles are powered by the ever-present sound of a kettle.
