With Acca Insurance promos, bookies make the pain of losing on that last leg of your accumulator bet a little bit easier to bear by giving you some money back. In this guide, we’ll detail the best Acca Insurance offers currently available, explain how they work, and highlight what makes them worth your time and money.
Top Accumulator Insurance Offer Bookies
UK Gambling Commission
This bookmaker is licensed by the UK Gambling Commission (UKGC), ensuring compliance with strict regulations designed to promote fairness, transparency, and the safety of players. The UKGC license is a mark of trust, safeguarding your funds and personal information while encouraging responsible gambling. Learn more about the UKGC here
Payment methods (7):
    18+ New customers only. Register with BETFRED50. Deposit £10+ via Debit Card and place first bet £10+ at Evens (2.0)+ on Sports within 7 days to get 3 x £10 in Sports Free Bets & 2 x £10 in Acca Free Bets within 10 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply. Bet Responsibly. GambleAware.org #ad |
Malta Gaming Authority
This bookmaker is licensed by the UK Gambling Commission (UKGC), ensuring compliance with strict regulations designed to promote fairness, transparency, and the safety of players. The UKGC license is a mark of trust, safeguarding your funds and personal information while encouraging responsible gambling. Learn more about the UKGC here
Payment methods (7):
 18+ New UK customers only. Min Stake: £5. Maximum Free Bet: £30. First bet on a Football or Horse Racing multiple with 3+ selections. Overall odds: 3.00 (2/1) or higher. Free Bets available upon settlement of the qualifying bet. 100 Free Spins on More Unusual Suspects (£0.10 per spin) credited on settlement of qualifying Acca bet. No wagering requirements on free spin winnings. Debit Card deposit only (exclusions apply). This offer is valid 7 days from the new account being registered. Full T&Cs apply. Bet Responsibly. GambleAware.org #ad |
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UK Gambling Commission
This bookmaker is licensed by the UK Gambling Commission (UKGC), ensuring compliance with strict regulations designed to promote fairness, transparency, and the safety of players. The UKGC license is a mark of trust, safeguarding your funds and personal information while encouraging responsible gambling. Learn more about the UKGC here
Payment methods (7):
18+ New UK customers (Excluding NI) only. Mobile exclusive. Min Deposit £10. Min stake £10. Min odds Evs. Free bet applied on 1st settlement of any qualifying bet. 30 days to qualify. Free bets expire in 7 days. Cashed out/Free Bets won't apply. Account & Payment method restrictions apply. 1 Free Bet offer per customer, household & IP Address only. Full T&Cs apply. Bet Responsibly. GambleAware.org #ad |
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UK Gambling Commission
This bookmaker is licensed by the UK Gambling Commission (UKGC), ensuring compliance with strict regulations designed to promote fairness, transparency, and the safety of players. The UKGC license is a mark of trust, safeguarding your funds and personal information while encouraging responsible gambling. Learn more about the UKGC here
Payment methods (9):
  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. Bet Responsibly. GambleAware.org #ad |
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UK Gambling Commission
This bookmaker is licensed by the UK Gambling Commission (UKGC), ensuring compliance with strict regulations designed to promote fairness, transparency, and the safety of players. The UKGC license is a mark of trust, safeguarding your funds and personal information while encouraging responsible gambling. Learn more about the UKGC here
Payment methods (9):
18+ Full Stake Refund: 5+ Selections, Limited to Win/Draw Fulltime Markets only, Combined Odds of 4/1 (5.0) or more, If 1 event loses receive Stake Back as Free Bet. Max £10. Double Stake Refund: 8+ Selections, Limited to Win/Draw Fulltime Markets only, Combined odds of 10/1 (11.0) or more, If 1 event loses receive 2 x Stake Back as Free Bet. Max £25. 5 x Stake Refund: 12+ Selections , Limited to Win/Draw Fulltime Markets only, Combined odds of 25/1 (26.0) or more, If 1 event loses receive 5 x stake back as a Free Bet up to Max £50. Free Bets valid for 7 days. Full T&Cs apply. Bet Responsibly. GambleAware.org #ad |
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UK Gambling Commission
This bookmaker is licensed by the UK Gambling Commission (UKGC), ensuring compliance with strict regulations designed to promote fairness, transparency, and the safety of players. The UKGC license is a mark of trust, safeguarding your funds and personal information while encouraging responsible gambling. Learn more about the UKGC here
Payment methods (9):
 18+ Existing customers only | Min. bet £/€5 | Max refund £/€20 | Min 4 selections | Min odds per selection 1.50 | Min Ticket odds 5.0 | Offer available once per week per customer | Full T&Cs apply. Bet Responsibly. GambleAware.org #ad |
What Is an Acca Insurance Offer?
An acca insurance promo protects sports bettors when placing an accumulator bet. Typically, if one leg of your acca lets you down, bookies will refund your stake in the form of real money or free bets.
The former allows you to place further bets as you please, just as you would with a regular deposit. On the other hand, the latter comes with specific requirements, such as odds and market restrictions you must consider. For example, the free bets can’t be cashed out, while the real money bonus can. The minimum odds you can bet on using the free bets are rarely below 1/2.
Acca insurance deals are immensely popular among all sports betting bonuses given the lack of drawbacks. There’s no catch – bookmakers are essentially giving you a second chance for coming ever so close to nailing an accumulator bet.
Best Acca Insurance Offers
While acca insurance is a simple concept, there are subtle differences between the offers provided by acca insurance bookies. We’ve analysed all of those deals and have come up with the top acca insurance offers.
Ladbrokes Acca Insurance – Lowest Odds Requirements Per Leg
| Stake Returned | In free bets |
| Sports/Markets | Pre match, match result, both teams to score, match result & both teams to score, correct score, total goals over/under, or or 2up&win. |
| Maximum Refund | £10 |
| Minimum Legs | 5-folds+ |
| Minimum Odds | 1/10 per leg, 3/1 combined |
Ladbrokes boasts one of the best acca insurance deals around because of its user-friendly terms and conditions.
Here’s the thing. You need to bet on 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 that the maximum refund is £10. But if you aren’t planning on putting down more than that, this is pretty much a perfect option.
Indeed, the Ladbrokes accumulator options are generally hugely impressive, with incredible features including editing, bet tracing, odds boosts, cash-out, and insurance.
- Seven-day expiration date on the acca
- Minimum 1/10 odds per selection
- Range of markets qualify for offer
- Maximum refund is just £10
Kwiff Football Acca Shield – Up to £20 in Refunds
| Stake Returned | Surprise Bets |
| Sports/Markets | Football |
| Maximum Refund | £20 |
| Minimum Legs | 4-folds+ |
| Minimum Odds | 4/1 combined, 1/2 per leg |
Kwiff’s Football Acca Shield is available to new and existing customers, and the sportsbook hands out refunds of up to £20 with their insurance offer.
Kwiff’s offer, as the name suggests, only applies to football markets, and requires at least four selections with combined odds of 4/1 or higher. Should one leg let you down, Kwiff sportsbook will give you £20 in Surprise Bet rewards.
Users are entitled to one Football Acca Shield per week.
- Random supercharged odds
- High maximum refund
- Only four selections required
- Only one offer per week
- High odds requirement per selection
Hollywoodbets Acca Insurance: Earn 1x, 2x, 5x Your Stake Back
| Stake Returned | Free bets |
| Sports/Markets | Football – match result |
| Maximum Refund | £50 |
| Minimum Legs | 5-folds+ |
| Minimum Odds | 4/1 |
In this unique acca insurance offer, Hollywoodbets supply refunds depending on the size of your accumulator.
There are three different sizes of stake refunds: x1, x2, and x5. A full stake refund will be rewarded when one leg of your five+ acca lets you down.
A refund worth x2 your stake (up to £25) will be granted if you’ve placed an eight+ leg acca. The biggest refund you can receive is up to £50, but these are only received when one leg of a 12+ acca doesn’t win.
The different acca brackets come with different requirements in terms of combined odds – 4/1, 10/1, and 25/1 – with only match result markets qualifying for acca insurance.
- Different refund amounts depending on size of accumulator
- Low combined odds for full stake refund offer
- Unique acca insurance offer
- Unlikely to receive refunds for larger accumulators
- Only football match result markets qualify
Betfred Acca Insurance – Acca Insurance & Acca Boost in a Single Promo
| Stake Returned | Free bets |
| Sports/Markets | Football |
| Maximum Refund | £10 |
| Minimum Legs | 5-folds+ |
| Minimum Odds | 1/2 per leg |
Betfred’s Football - Acca Flex is a perfect acca insurance bonus for football fans. A pre-match football acca of 5+ selections with the minimum 1/2 odds per leg will bring you up to 50% cash bonus if it wins.
However, if you lose the bet by one selection, you’ll get your stake back as real cash, up to £10. This is why we gave the bookie such a high rating for promotions in our Betfred analysis.
- Odds per selection just 1/2
- Acca boost and acca insurance deal in one promo
- Maximum bonus of £25,000
- Limited to football accumulators
- Max refund of just £10
Betway Acca – The Best Acca Welcome Offer
| Stake Returned | Free bets |
| Sports/Markets | Football and horse racing |
| Maximum Refund | £30 |
| Minimum Legs | 3+ |
| Minimum Odds | 2/1 or higher |
Betway is one of the rare bookies to promote an acca bonus as its welcome deal. The Betway £30 matched free bet acca offer is available to all new users from the UK who place a £5 bet on football or horse racing accas with 3+ selections. The overall odds must combine to at least 3/1, which shouldn’t be much of an issue considering the usual odds for the most popular markets.
In addition to the free bets, Betway will chip in an extra 100 free spins on Gold Blitz the moment your qualifying acca gets settled. The free spins are valued at £0.10 each. The best part of the bonus? There are no wagering requirements on the free spins.
Note that this offer is only available for debit card deposits.
- Refunds of up to £30
- Low combined odds of 3/1
- Offer applies to football and horse racing
- The max bonus is rather limited
BoyleSports Acca Insurance – Exclusive Deal for Mobile Users
| Stake Returned | Free bets |
| Sports/Markets | All |
| Maximum Refund | £20 |
| Minimum Legs | 5-folds+ |
| Minimum Odds | 1/2 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 insurance bonus is available on any market and on any sport, as long as the accumulator features at least five legs. The minimum stake required is just £5, which is why we pointed out in our Boylesports review that this is one of the operators best suited for beginners.
The £20 maximum refund is returned to you as free bets, which you have a week to enjoy and put to good use. The offer applies to users of the operator's mobile betting app.
- Large maximum refund of £20
- All sports and markets qualify
- Mere minimum stake of £5
- Other offers require lower minimum odds
How To Claim Acca Insurance Offer
Most of the time, no bonus code or any opt-in will be needed to claim an acca insurance bonus. It’s more about meeting the requirements.
Here’s a step-by-step guide for claiming an acca insurance offer:
Head to the bookie’s page: Access any of the bookmakers we’ve listed by their respective links.
Register an account or log in: Sign up if you are new to the platform or use your credentials to log into an existing account.
Create an accumulator bet: Browse the available markets and ensure this bet meets the requirements for acca insurance. In most cases, only football markets are eligible, but some bookmakers, including BoyleSports, allow all sports.
Ensure your bet meets odds and other requirements: Each selection will have to meet the odds requirement, with your accumulator bet also having to hit a collective odds requirement.
Receive the free bets or cash: You’ll automatically receive acca insurance should one selection let you down.
How We Choose the Best Acca Insurance Promotions
We rely on our well-established ranking methodology to differentiate between acca insurance promotions, and bring forth the best ones for our readers. Here are a few different criteria we look out for:
Number of Selections
There’s often little variation here, with accumulators typically requiring at least four of five selections to qualify for insurance. In the case of Hollywoodbets, accas of various sizes come with different insurances. There’s often no limit in regard to maximum selections, but we do check the minimum number.
When accas with 3+ legs qualify, we tend to give them more prominence since they give players a greater chance of winning the bonus.
Qualifying Odds
The qualifying odds are a key feature. We check the minimum odds requirements per leg and the total odds. The lower the requirement, the better, since you can still bet on the favourites and cash out if they don’t justify their roles. The usual minimum combined odds are typically around the 3/1 or 4/1 mark.
There’s some compromise to be had here. Lower qualifying odds would encourage a less risky accumulator and lower payouts, whereas higher odds could facilitate a bigger payout if your bet wins. When it comes to acca insurance, it could be worth placing a riskier bet.
Refund Limit
Bookmakers that offer higher refund limits are generally preferred. Such limits allow you to place larger accumulator bets and thus earn a greater return if your bet wins. Ladbrokes, for instance, offer just a £10 maximum limit, while Betway’s maximum refund is £30.
A higher refund limit should be regarded as desirable, although placing higher stake bets comes with greater risk. Hollywoodbets offer a £50 refund for 12+ accumulator bets.
Refund Type & Value
Bookmakers that refund your accas with real money are highly sought-after, since the majority of them hand back free bet bonus. A real-money return is essentially a reset, while free bets don’t guarantee any return despite supplying you with a second chance.
Free bet refunds are common, so any bookmakers that offer real-money refunds get more credit in our ranking process.
Expiration Date
The free bets you earn from the accumulator insurance bonuses have expiry dates. Ideally, you’d have all the time you need to place your qualifying accumulators and use your free bets, but the most you can expect is a week.
Rigorously scan the terms and conditions to check how much time you have to claim the offer and use the freebies that come out of it.
Types of Acca Offers
Bookmakers don’t just offer accumulator insurance offers. Here are some other acca bonuses to look out for:
Acca Profit Boosts
Various bookmakers will offer acca profit boosts or enhanced acca odds. These can work arbitrarily, as in, your odds could get boosted randomly (as Kwiff offer with their supercharged bets), or systematically. There are some bookmakers which give you a particular number of boosts to use on accas.
There are requirements to hit, such as odds per selection, minimum selections, and maximum stake, but such offers are brilliant because you don’t have to do anything extra to earn them. The boosts are given to you – why not take advantage of them!
Football Acca Bonus
Some bookmakers have added an extra incentive to placing an acca by introducing football acca bonuses.
The bet365 football acca bonus is one of the leading ones on the market. There’s no opting-in required; you merely need to have an account with the bookie and place a pre-match football account made up of the eligible markets. If your bet is a winner, bet365 will boost your accumulator by up to 70%, depending on the number of selections.
ThePuntersPage Final Say
We view the accumulator insurance promotion as a way of enhancing an already interesting betting option. It adds another level to the accumulator's appeal, making it an excellent choice for sports betting and a standout online betting experience overall.
Often with bonuses, you have to weigh up the pros and the cons to see whether it is worth your while. However, here (assuming you were planning on betting on an accumulator anyway), there’s pretty much no downside to having an extra chance of getting your money back. It’s that rare thing in the world of betting: a promotion that is, at its core, conceptually perfect.
FAQs
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.
This depends on the bookmaker’s terms and conditions, but the lowest we have seen is three, with five being much more common.
Once again, this depends on the bookmaker. Some of them will allow you to utilise this promotion on most markets, whereas some are specific to individual sports or leagues, with football being the most common.
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.
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.
You may not receive your money back, but bookmakers will likely refund your accumulator stake via free bets, as long as you’ve met all the qualifying requirements and only one selection lets you down.
Yes, five selections are often just the minimum. You can include as many selections as you like to qualify for acca insurance offers, as long as you meet the minimum requirement.