Acca insurance is one of the most popular ongoing promotions in UK football betting: if all but one leg of your accumulator wins, the bookmaker refunds your stake, usually as a free bet. It softens the frustration of a single late goal wrecking an otherwise perfect coupon. On this page we explain how acca insurance works and compare the current offers from UK-licensed operators, with each set of significant terms laid out clearly.
New customers only. Min deposit £5. Bet Credits available for use upon settlement of qualifying bet to value of qualifying deposit. Min odds, bet and payment method exclusions apply. Returns exclude Bet Credits stake. Time limits and T&Cs apply. Registration required. 18+. BeGambleAware.org.
New customers only. Sign up via the '£30 in Free Bets when you place any bet' promotion. Min deposit £5. Place first qualifying bet of min £0.05 as a single or each way at odds of 1/1 (2.0) or greater. Receive 3x £10 Free Bets. Free Bets valid for 7 days. Payment method restrictions apply. 18+. BeGambleAware.org.
New customers only. Place a qualifying bet of min £5 on Sports at odds of EVS (2.0) or greater. Get £40 in Free Bets. Free Bets must be used within 30 days. Promo code YSKATF required. Payment method and T&C restrictions apply. 18+. BeGambleAware.org.
New customers only. Place a qualifying bet of min £10 on Sportsbook at EVS (2.0) odds or greater. Qualifying deposit via credit or debit card or Apple Pay only. Free Bets valid for 30 days. Cashed out, void or draw no bet wagers do not qualify. Free Bets are non-withdrawable. No cashout on Free Bets. 18+. BeGambleAware.org.
New customers only. Min deposit £10. Place qualifying bet of £10+ on Sports at min odds of EVS (2.0) within 7 days of registration. Receive £30 in Free Bets. Free Bets valid for 30 days. Stakes not returned. Payment method restrictions apply. T&Cs apply. 18+. BeGambleAware.org.
New customers only. Place a qualifying bet of min £5 on Sports. Get 6x £5 Free Bets. Free Bets valid for 7 days. Qualifying bet must settle within 30 days of registration. Payment method restrictions apply. 18+. BeGambleAware.org.
New customers only. Deposit via Debit Card and place first bet £10+ at odds of 1/1 (Evens) or greater on Sports within 7 days of registration. Receive £30 Sports Free Bets and £20 Bet Builder Free Bets within 10 hours of qualifying bet settlement. 7-day expiry on all free bets. Eligibility and payment exclusions apply. T&Cs apply. 18+. BeGambleAware.org.
New customers only. Place a qualifying bet of min £5 on Sports. Get 6x £5 Free Bets. Free Bets valid for 7 days. Qualifying bet must settle within 30 days of registration. Payment method restrictions apply. 18+. BeGambleAware.org.
Acca insurance applies to accumulators — a single bet combining several selections where every leg must win for the bet to pay out. The insurance kicks in on the near-miss: typically if one, and only one, of your legs loses, you get your stake back. The exact trigger varies, so always read the small print before you place the bet.
The main terms to check are the minimum number of legs (five is common, though some run it from four), the minimum odds required on each selection, the maximum refund, and whether the money comes back as cash or as a free bet. Free-bet refunds usually carry their own expiry and cannot be withdrawn until re-staked.
Because the qualifying rules differ between bookmakers, acca insurance rewards shopping around. A promotion that refunds up to £25 as cash on a four-fold is more valuable to most punters than one capped at £10 in free bets on a six-fold, even though the headline looks similar.
Acca insurance is a retention offer aimed at existing customers, so it is a useful reason to keep more than one account open. Pair it with a bet builder or price-boost promotion at the same operator and you have a reason to place your weekend football coupon there rather than elsewhere.