Ultimate List of Acca Insurance Offers & Bookmakers (2021)

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.

Best Acca Insurance Offers

  • £30 In Free Bets
  • + £10 Casino Bonus
  • When you place your first £10 Bet

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

  • World’s biggest betting exchange
  • Once again prove their versatility with promotions
  • Acca Edge: Stakes refunded in cash
  • Amazing selection of betting markets
  • Take full advantage as this bonus is available across all of them
  • Quality terms and conditions all round

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

  • One of the biggest and best bookmakers in the world
  • Back this up with awesome promotional selection
  • Including great accumulator insurance bonus
  • High street name just keeps getting bigger and better
  • Football Acca Insurance applies to pre-match 5-fold+ accas
  • Perhaps best known for their football markets

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.

Paddy Power
  • Promotion available across “All Sports All Markets”
  • Amazing variety making the scope of this bonus huge
  • All-around world-class betting product

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.

William Hill
  • One of the biggest names in the industry
  • Acca Freedom lets you choose between odds boost or Insurance
  • A great promotion available on over 70 sports
  • Available across huge variety of betting markets
  • Small minimum odds of 1.2 per selection
  • Minimum legs of 5+
  • not for UK players

Please note: betsson Welcome Offer not available for UK residents

  • Industry behemoth with a mountain of football betting markets
  • Were able to enjoy acca insurance on any and all of them
  • Sadly, on hiatus

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.

Best Acca Insurance Offers – Top 9 Ranked

#1 888Sport American Acca Saver

#2 Betfair Acca Edge

#3 Boylesports Acca Insurance

#4 Ladbrokes Acca Insurance

#5 Betfred Acca Insurance

#6 Paddy Power Acca Insurance

#7 William Hill Acca Insurance

#8 Betsson Acca Insurance

#9 Coral Acca Insurance

What Makes the Best Acca Insurance Bookmakers?

Acca Insurance Offers

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 ReturnedIn Free Bets
Sports/MarketsAny American sports market, including the MLB, MLS, NFL, NBA and NHL
Maximum Refund£25
Minimum Legs5-Folds+
Minimum Odds1/2 (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 ReturnedIn Cash
Maximum RefundNone
Minimum Legs3-Folds+
Minimum OddsNone

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 ReturnedIn Free Bets
Maximum Refund£20
Minimum Legs5-Folds+
Minimum Odds1/2 (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 ReturnedIn Free Bets
Sports/Marketspre match, match result, both team to score, match result & both teams to score, correct score or total goals over/under
Maximum Refund£10
Minimum Legs5-Folds+
Minimum Odds1/10 per leg, 3/1 combined

They proudly call themselves the best acca around and considering the astonishing amount of competition that is out there, that is no small order. Indeed, their 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 ReturnedFree Bets
Maximum Refund£10
Minimum Legs5-folds+
Minimum odds1/3 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 ReturnedIn Free Bets
Sports/MarketsAll Sports & Markets (except Horse Racing)
Maximum Refund£10
Minimum Legs4-Folds+
Minimum Odds1/5 (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 ReturnedFree Bets
Sports MarketsOver 70 sports and various markets
Maximum Refund£20
Minimum Legs5-Folds+
Minimum odds1.2 per leg

With William Hill's Acca Freedom Insuranceit'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.

Betsson Acca Insurance

Stake ReturnedCash
Sports/MarketsMatch winner markets only
Maximum Refund3x €20 (max. €60 per day)
Minimum Legs5-folds+
Minimum Odds1.2 per leg with combined odds 5.00

It might not be as big of a name as many on this list, but it really is tough to compete with the Betsson acca insurance when it comes to sheer quality. You have a minimum stake of an astonishingly low 10 cents, meaning that this is one that pretty much anyone can take advantage of, along with a decent maximum stake and plenty of markets for you to enjoy. Best of all, the stake is returned in cash. They’ve really gone all out here, and alongside other features like Build Your Acca, have crafted a great online betting experience in this regard.

Coral Acca Insurance

Stake ReturnedFree Bets
Maximum Refund£25
Minimum Legs5-folds+
Minimum odds4.0 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

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 Makes It 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.


What Other Acca Promotions Are Available?

screenshot of Coral's acca promotions

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.



It may be a simple promotion, but that doesn’t mean there aren’t some questions we commonly get asked about this popular bonus. With that in mind, here we are going to take you through some of the most important things for you to know about acca insurance.

What is acca insurance?
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.

How many legs does the accumulator have to be?
This depends on the bookmaker’s terms and conditions, but the lowest we have seen is three, with five being much more common.

What sports markets can you use this on?
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.

What’s the difference between a refund and a free bet?
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.

Are there any other accumulator promotions I should be aware of?
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.