Acca Insurance

Published: 1st October 2019
Author: Joe Kizlauskas
Last Updated: 23rd January 2023
Acca Insurance graphic

Accumulator Insurance – The Best Acca Insurance Offers 2024

Accumulator bets are becoming increasingly popular in the UK as it’s one of the most exciting ways to bet small and potentially win big. To make this method even more attractive to potential punters, most top betting sites offer accumulator insurance. This acca insurance guide explains what it is and gives tips on which bookmakers have the best offers.

A Beginner’s Guide To Accumulator Insurance

Before you start thinking about accumulator insurance, you need to know exactly what accumulators are and how acca insurance works with them. There are plenty of different top free bets and offers available at betting sites, but most offer accumulator insurance. So, what is it and why is it needed?

question markWhat Is An Accumulator Bet?

Accumulator betting is both exciting and strategic. It’s a fun way to bet a small stake and win big. It’s a single bet where you make at least four selections, and the most popular accumulators are four-fold up to sixteen-fold.

Many football enthusiasts have ritualised their weekend line-up with their Acca. The attractiveness lies in the fact that all the selections you’ve made combine or accumulate to give you some incredible wins. However, with each added leg, the potential for losing also increases. It has the potential to transform any dull, lower league match into crucial games for your stakes.

An important differentiator is that every choice must come true for you to win.  If even only one leg fails, you win nothing.  This is where your acca insurance strategies come in and are quite important to ensure a winning bet.

question markWhat Is Accumulator Insurance?

Bookmakers offer acca insurance promotions as a means to motivate punters to place multiple wagers.

This offers a money-back when one leg in your accumulator lets you down. It usually comes in the form of a free bet, but sometimes it can be provided as a cash return. One of the essential features of acca insurance is that it’s uncomplicated.

If you often place accumulator bets, it’s vital to get the best acca insurance offers. There is usually a maximum insurance value of about £25, so you can split your games between various bookies.

5 Team Acca insurance is most commonly available for football betting, but you could find it for other sports with a little bit of research.

In a Nutshell:

  • Choose 5 teams to win in an acca bet
  • Bet £10 on all teams to win
  • Teams A, C, D and E win, but B doesn’t
  • Without insurance, you lose
  • With insurance, you get your £10 bet to have another go

How Does Acca Insurance Work?

Accumulator insurance is usually offered by the bigger bookies. It provides a refund if your acca loses by one leg only.


It’s important to understand that accumulator insurance is a promotion by the bookmaker. Each bookie’s offer depends primarily on what they want to give you. However, due to the competitive nature of this industry, you’ll often find similarities in the offerings.

It’s essential to take a look at the terms and conditions of each bookie to ensure that you qualify for the return if one of your selections costs you a large payout.

To qualify your Acca must usually adhere to the following terms:


Have five or more legs.


Must conform to minimum odds or above.


Often limited to a specific sport such as football.


Some bookies only cover certain markets.

The Best UK Accumulator Insurance Offers

Our Top 5

ladbrokes iconLadbrokes

The lads at Ladbrokes offer a maximum refund of £25 on a five-fold minimum stake. You can claim once daily. It’s only applicable to football, and only one leg must lose. This type of offer usually comes as free bets and not cash.

Your minimum odds should be at least 1.1 per leg or 4.0 in total, to qualify for Ladbrokes acca insurance. You can also combine Ladbrokes accas with other features such as cash out and partial cashout.

betfred logoBetfred

Betfred acca insurance offers a refund on match result accumulators of five or more selections. This offer applies to all leagues and football games. If one team in your Acca lets you down, you get your stake back in the form of a free bet of up to £10.

This offer is available to new and existing clients. However, if it’s your first time with them, you can register to claim the welcome bonus which also offers free bets. To qualify your odds must be at least 1.33 per selection.

william hill promo codeWilliam Hill

William Hill offers acca insurance for all sports. To qualify, you must have at least five selections in your multiple. This offer is valid for match bet, match result, and btts markets and offers a £20 refund. You will find that William Hill offers live streaming on a number of its sports as well.

William hill acca insurance offers a bonus where you get £30 when you play £10. You can cash out your Acca refund or use it as a free wager. Alongside the return, this bookie also offers a bet boost which affords enhanced odds on Accas of 3+ selections.

If you enjoy casino games, you can pop over to William Hill’s website for slots and bingo while waiting on the results of your acca.

coral logoCoral

Coral Acca Insurance only gives a refund when one leg of your bet on football matches fails. The minimum to qualify is a five-fold accumulator. If this happens, you will receive a free wager of up to £25. Coral offers punters the opportunity to place bets on their favourite sports while watching the game live.

If you are a new player, Coral offers a £20 sign up offer. You’ll have to register and place a bet of £5 at 1/2 odds or higher. Your account is instantly credited with £20 in free bets.

Bet365 logo 1Bet365

Bet365 offers acca insurance if one out of a minimum four multi lets you down. It is only applicable to the win-draw-win market and has a maximum refund of £10. The offer stands for all sports and markets except horse-racing.

It offers £100 in bet credits to get you started. You can cash out or take advantage of one of the many money-back specials. Bet365 has a great loyalty rewards club for the regular punters. You can also take advantage of some of the best features around such as BetBuilder and Edit Bet – or even live stream your events as they happen.

The Best of the Rest

10Bet Logo Small10bet

This is perfect if you’re a lover of betting on American sports as 10bet offers American Acca Insurance. Generally, it is used on NBA and/or MLB, NHL and NFL. This is also another opt-in insurance offer, so be aware. There is a minimum £5 stake with a maximum £10 refund. Minimum selection is 5 picks with minimum odds of 3/5. Your refund comes in the form of a free bet which expires after 7 days.

betvictor logoBetVictor

The markets acca insurance applies to here is for win, draw, win & BTTS combinations. The maximum refund you can get is £10 in free bets. BetVictor acca insurance has known to be hugely reliable to customers.  When you then re-wager the free bet, the stakes are not returned if that particular bet wins.

888sports white on orange logo888sport

888 acca insurance applies for Football, Horse Racing or Greyhound accumulators. There has to be a minimum of 6 legs all at odds of ½ or longer. This only applies for match or race win markets and the maximum refund is £25.

Along with these acca insurance terms, you can also claim the welcome bonuses and free bets offered by these particular bookies. Acca insurance is extremely valuable to repeat customers who love to place accas.

That free bet refund might just be the free bet that wins you more money. If you are still unsure about acca edge and want to give it a try, then start off with a low betting stake and also add favourites to your acca to ensure you are more likely to either win the accumulator or receive your refund in free bets.

SportingBet Logo SmallSportingbet

This is one of the minimum 5 stake acca deals. However, what makes the Sportingbet acca insurance great is that it’s for all sports. Also, note that you need to opt-in for the insurance. Furthermore, it offers a refund up to £20 as a free bet. The minimum odds are 1/5 and the free bet refund has an expiry of 7 days.

bwin logo smallBwin

The Bwin offering is another 5 pick minimum insurance offer. Furthermore, they offer you a refund free bet up to £25 if one of your teams loses. You also need to opt-in for this offer too. The minimum odds are 1/5 and it’s available for football accas only. The free bet expires after 7 days.

BoyleSports Logo smallBoyleSports

Boylesports is another insurance option that is opt-in only. So, no opt-in and no insurance. This is another 5 selection offer with a minimum odds requirement of 1/5. However, like many, it’s available on football only.  You will bet awarded a free bet refund if one team loses up to a value of £20 and your free bet is valid for 7 days after receipt.

How to Claim

Before being able to claim an Acca insurance bet, you’ll first need to deposit and place an accumulator. This is the natural part, but if you are new to this, it’s recommended to stick to five. The more selections you make, the higher the stakes.

Next, you’ll want to research what the minimum deposit and odds are to qualify. Remember, this varies for every bookie. To have a better chance, you can split your accas between various bookies to increase your maximum payout. Place your bet and wait for the outcome.

Read through the bookmakers’ terms and conditions to ensure that you qualify for the offer.

When Do You Qualify for a Refund

Refunds are usually paid out in the form of free bets. These have a shelf life and sometimes, dependent on the bookie, can only be used to wager on specific markets. The payout is usually matched to the losing stake up to a certain amount. Most offers have a maximum payout of about £25 to £50. These refunds are only paid when a single leg lets you down.

To put it in perspective, see the below examples of how this works in reality:

Acca Insurance Examples

Here are some examples of how acca insurance offers actually work in real life…

Example One

The player places an £8 5-leg accumulator bet which meets all the criteria set out by the bookie with total 12/1 odds. All of the punter’s selections are successful, and the player’s account credited with £96 of winnings.

Example Two

A player places the same £8 5-leg accumulator which meets all the bookmaker’s requirements and has a 12/1 odds. Only one selection is unsuccessful, the other four win. The bets have lost and will not receive any winnings.

Accumulator insurance kicks in and pays you a refund equal to the initial bet of £8 to the player’s account. Most bookies refund in the form of a free wager, but if you’re lucky you’ll be paid out cash.

Example Three

The punter places an accumulator bet of £8, meeting all the criteria set forth by the bookmaker. This bet has total odds of 12/1. More than one selection loses, and therefore there is no payout at all. No free wager or payout is credited to the punter as this acca doesn’t qualify for a refund.

Acca Insurance FAQs

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About Joe Kizlauskas

Joe is a seasoned iGaming copywriter and speaker who has been in the business since 2015. He's written more words on all elements of iGaming than he likes to remember, and he's contributed material to a number of well-known brands. Joe may be seen playing 5 a side, at the gym or playing games on his Playstation when he is not writing.