Acca Insurance Explained & where to get it

Learn how to use the bookmakers' Acca Insurance feature to your advantage and see which online bookmakers offer the football accumulator bet refund bonus in 2021.

Best Acca Insurance Bookmakers in 2024

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If your Betfred Acca bet only loses by one selection, you'll get your stake back as a free bet up to £10.

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Acca Insurance Explained

An introduction to acca insurance.

How many times have you optimistically placed a 6-fold football accumulator only to be let down by one result?

Probably more times than you can count.

Not only are you disappointed to lose out on your potential winnings and your initial stake, but it’s a bitter pill to swallow when your bet is voided due to a last-minute goal by relegation minnows who didn’t have a chance! – Or even worse, your arch-enemies.

Fortunately, acca insurance is a surefire way to make sure you don’t lose your initial stake when you miss out on one game on your next football accumulator bet.

Bookmakers have introduced acca insurance to encourage football accumulator betters to make riskier bets, but they provide extra security to your bet and are well worth using.

What is Acca betting?

Firstly, it’s essential to understand what exactly acca betting is. Acca is short for ‘accumulator’. This term is commonly used by football fans who place bets on multiple match outcomes (4 and more).

When you make an acca bet, the odds from each bet are multiplied, giving you much larger total odds for your overall accumulator.

Someone could potentially win millions by betting a small stake on a large range of results (around 15 or more matches) although the odds of this bet coming in would be rather slim.

This is an excellent way for football fans to reap high rewards with little risk. This also favours bookmakers as there is more opportunity for someone’s bet not to come in.

What is Acca Insurance?

Similar to different types of insurance schemes, acca insurance provides protection if ‘something goes wrong’. Acca insurance ensures that your initial stake on an accumulator is protected if you miss out on one result.

We all know how devastating it is to lose out on a huge accumulator by one result. Acca insurance softens that blow by returning your initial bet if you miss out by one game, allowing you to take another stab at an acca or totally different bet.

This insurance is offered by a number of popular bookmakers including Paddy Power, William Hill, Ladbrokes, Bet Victor, and Coral. Bookmakers offer acca insurance to encourage pundits to make riskier bets with higher initial stakes.

Each bookmaker will have different terms and conditions that apply to their acca insurance, however, typically they require a football accumulator with at least 5 different matches, and a refund up to a maximum of around £20.

Here’s an example of how Acca Insurance could work

  1. A punter places a £10 bet on a 6-fold accumulator with odds of 98/1 (potentially big money!)
  2. All of their results have come in and they’re excited to win but there’s one game yet to play. The punter has bet that the home team will win the remaining game.

The game kicks off and the home team goes 1-0 up. It’s then the last minute of the game and the punter thinks he’s going to walk away with £980.

However, in the dying embers of the game, the away team steals a goal, rendering the whole bet void.

Similar to different types of insurance schemes, acca insurance provides protection if ‘something goes wrong’. Acca insurance ensures that your initial stake on an accumulator is protected if you miss out by one result.

Although he’s potentially lost out on £980 because of that goal, he will at least get his initial stake back to use on another bet.

In another example, if you bet on six matches, and you incorrectly predict the first game of the weekend – all is not lost. The remaining five matches could go your way and you can keep a hold of your money.

What are the Benefits of Acca Insurance?

  1. Acca insurance gives you a lifeline if one of your results doesn’t come in.
  2. Banking on 5 or more games to come in is a huge enough bet as it is, but when you’re given an insurance policy that allows one of those games to go wrong, that’s a huge bonus!
  3. By doing so, you can perhaps place bets that are a little riskier than you usually would knowing that you’ll get your bet back if you only lose by one game.
  4. This insurance offered by bookmakers gives you a margin of error to work with which will work in your favour.

For example, you could put together a 5+ acca in which 4 of the games are low odds because they’re regarded as obvious wins (e.g Barcelona beating Sporting Gjion at 1/7), and then place one bet with larger odds (perhaps Huddersfield to beat Man City at 20/1).

By doing so, you’re giving yourself leighway with the football accumulator bet to lose out on one result that is a long shot – whilst boosting your overall odds.

What should you be aware of with Acca Insurance?

  1. In general, acca insurance provides footy pundits with an extra sense of security when placing their accumulators.
  2. However, you should be aware of the terms and conditions when placing your bets with different bookmakers.
Bookies do not all offer the same ‘insurance policies’. They all differ based on the number of bets being placed on your accumulator, the initial stake amount and the odds on your bet.

For example, Ladbrokes will allow acca insurance on accumulators with bets on all football leagues across the world, whereas Paddy Power will only allow insurance with bets on ‘big leagues’.

Another key difference is the amount you can bet and have refunded back into your account.

BetVictor will allow bets up to £10 to be refunded with acca insurance whereas Paddy Power is much more lenient with a maximum refund of £20.

Some bookmakers such as Paddy Power are now opening up acca insurance to all sports whereas previously acca insurance was only valid for football accumulator bets.


What does Acca Insurance mean?

Acca insurance is when a bookmaker provides you assurances that you will not lose your initial stake if you lose out on an accumulator by one result.

This is usually on a minimum of 5 match accumulators and a maximum of £20 stakes.

For example, if you bet £10 on an 8-fold accumulator and get 7 of the correct results, you will be refunded your initial stake of £10 instead of losing your bet.

Different bookmakers will have slightly different terms and conditions for their acca insurance so it’s essential to make sure you read them carefully to confirm you qualify for accumulator insurance.

If you don’t, you may end up placing an accumulator and finding your original bet does not get refunded to your account when you lose out by one bet.

What does 5+ Acca Insurance mean?

5+ acca insurance means you will receive your money back from a bet if you place a bet on a football accumulator with 5 or more match results, scores or outcomes.

If you bet on 5 matches and you’re let down by one game, the bookmaker will refund you your initial bet back into your account to be used again.

However, be careful when reading the terms and conditions of your chosen bookmaker as you may not be able to withdraw this money again because it has been refunded to use on another bet.

This type of acca insurance is available with bookmakers such as Ladbrokes and Paddy Power.

It is even possible to get acca insurance by placing just 4 bets on an accumulator – this is offered by Paddy Power.

How does Acca Insurance work?

Acca insurance works by ensuring you have protection on your football accumulator if one of the results does not go your way.

If you lose out on your accumulator by one result, the bookmakers will usually refund you your initial bet to be used again.

To qualify for acca insurance, you’ll usually have to place a bet on 5 or more matches, use a maximum stake of around £20 and bet on odds greater than a certain number.

For example, you could not place an accumulator and qualify for acca insurance with odds of 1/20 overall. All of these factors depend on the bookmaker you are using.

If you’re using acca insurance and you lose out on your accumulator by one game, you should expect to see your initial bet refunded into your account within 24 hours.

This will be readily available to use on another bet on the same betting platform. It is unlikely you will be able to transfer this credit from your betting account, to a casino account with the same bookmakers.

Bookmakers are now expanding their acca insurance to different sports and bets.

Traditionally, accumulator insurance has been solely offered with football bets, however, different bookmakers are now giving you the opportunity to insure your accumulators across different sports such as tennis, horseracing, rugby, and more.

This also includes different types of bets instead of match results.

Why do Punters choose Accumulators?

This is because they greatly increase the odds of winning a bet from the bookmakers.

Bookmakers' offers on Accumulator, or “Acca” bets for short, are a combination of single bets placed at bookmakers on sporting events.

They consist of at least four separate bets combined. Anything less than this amount would be called a Double (two events) or a Treble (three events).

Accumulator betting can be a combination of sports bets as follows:

  • Golden Horn to win the 4.10 at Doncaster 5/4
  • Manchester United to beat Chelsea 4/5
  • Everton to beat Villa 4/7
  • Newcastle to beat Leicester 23/12
  • Southampton to beat Stoke 8/13
  • Swansea to beat Bournemouth 9/10

Looking at the combination of bets above the combined odds of all four events winning would pay out at odds of almost 56/1 (55.9/1).

So a £10 win accumulator bet would return you a profit of £559.73.

Not bad for a tenner investment.

In accumulator betting, the combination of bets can be fairly endless.

However you have to bear in mind, the likelihood of you getting a return would be diminished when you have to rely on many events winning.

Sure the odds may look attractive but the chances of every bet coming in are reduced. That's why a lot of punters go for short-priced favourites in sports like tennis or football matches to increase their chances of winning on accumulators.

For the purpose of most of the accumulator bookmakers' offers listed on this page, the money-back offers need to be for the specific sports advertised. Football, NFL or Tennis.

If you enjoy betting on accumulators then the bookmaker offers money back on one losing leg of four, five, or six folds plus seems like a handy insurance to have.

If you are more confident in your accumulator selections then the bonus payout on winning accumulators is probably more attractive.