Last updated: February 03rd, 2025
Betting is fascinating, especially when you are on a winning streak. If you are a passionate bettor, you have probably placed an accumulator bet multiple times. Once in a while, your select teams seem to be doing everything right, which makes you more confident about your impending win. Unfortunately, during the game’s final minutes, something dramatic happens, and your team loses. Your meticulously selected accumulator goes down the drain, leaving you hurt and frustrated. That’s where acca insurance comes in.
Acca insurance helps you recoup some part of your stake if you fail to win your accumulator bet by just one leg. In this article, we will shed light on what acca insurance is all about and what it can do for you. By the end, you will have learned to safeguard your hard-earned stake with acca insurance.
What is Acca Insurance?
Acca is a type of insurance offered on a football accumulator bet with the sole purpose of offering you some money back when a single leg of the accumulator bet lets you down. Typically, the money back is offered as a free bet, though sometimes it’s given back as cash. Acca insurance is an option many bettors use to mitigate risk.
You can opt to use Acca insurance when trying a new bookmaker. It is also a brilliant risk mitigation strategy for anyone who takes betting seriously. Acca insurance is an excellent way to boost your confidence and protect your bets.
Best UK Acca Insurance Offers
For UK-based punters, there is a host of accumulator insurance offers that you can choose from depending on your bookie. Let’s look at some of the best accumulator insurance offers across the UK.
William Hill ACCA Insurance
William Hill offers “Acca Freedom,” which provides flexibility in betting by insuring your accumulator bet against one bad result from your selections. This insurance applies to over 70 sports across various markets and is available to both new and existing customers, making it highly versatile.
To qualify, your accumulator must include at least five selections, each with odds of 1/5 (1.2) or greater. If one selection loses, William Hill will refund your stake as a free bet up to £20.
This refund is always in the form of a free bet, valid for 30 days, and can be redeemed on any market or selection. The Acca Insurance can only be used once daily, and it does not apply to bets placed on handicap, total points, or enhanced markets. Cashed-out bets do not qualify for this insurance as well.
Betfred ACCA Insurance
Betfred’s Acca Insurance, known as “Acca Flex,” allows you to place a 5-fold or more football accumulator and get your stake back as cash up to £10 if one selection loses. This offer is available for both new and existing customers. It includes a wide array of football leagues and markets, including Match Result and Both Teams to Score. The refund is credited within 24 hours, providing quick access to your funds.
To qualify, each selection in your accumulator must have odds of 1/2 (1.5) or greater. The insurance does not apply to cashed-out bets or in-play bets. Additionally, bets placed using a free bet stake do not qualify for this offer.
Betfair Sportsbook (Acca Edge)
Betfair’s Acca Edge offers unique insurance for accumulators with 3 or more selections. If one leg fails, you get a portion of your stake back in cash, calculated based on the true price of the bet if one selection fails.
This option is available for all sports and markets, providing unmatched flexibility. The amount you can be refunded is unlimited, and there are no specific odds requirements, setting it apart from other insurance offers. Once you have included at least three selections in your accumulator, Acca Edge will automatically activate.
Additionally, for horse racing enthusiasts, Acca Edge works seamlessly with Betfair’s Best Odds Guaranteed promotion. If your bet wins, the return is calculated based on the new BOG prices, with the reduction still applying. Acca Edge is accessible to both new and existing customers.
The refund is processed as cash, not as a free bet, making it straightforward to use your funds. Note that Acca Edge does not apply to cashed-out bets, and the insurance must be selected when placing the bet. Acca Edge is available for new and existing customers.
Bet365 ACCA Insurance
Bet365 offers massive bonuses on accumulator bets. Unlike the others, you are given an extra cash bonus if your accumulator wins. Normally, you get 5% for trebles, 10% for 4 folds, 20% for 6 folds, 30 % for 7 folds and so on. The best part is that you can get up to 100% bonus.
Bet365’s Acca Insurance is available to both new and existing customers. To qualify, your accumulator must include at least 5 selections, each with odds of 1/5 (1.2) or greater. If one selection loses, Bet365 will refund your stake as a free bet up to a maximum of £10. The refunded free bet must be used within 30 days and is applicable to any market or selection available on Bet365’s platform.
Note that Acca Insurance does not apply to cashed-out bets or bets placed with a free bet stake. Additionally, bets placed on certain markets, such as horse racing, may not qualify for this promotion. It’s important to review Bet365’s terms and conditions to understand the full scope of eligibility and restrictions.
Paddy Power ACCA Insurance
With Paddy Power, you are guaranteed up to £10 stake back where your accumulator has 4 football selections or more. You qualify for the stake back when 1 of the legs in your accumulator bet fails. The insurance is available to both new and existing customers.
Paddy Power’s acca insurance is available in most of the world’s prominent football leagues, including the Premier League, La Liga, German Bundesliga, Serie A, and French League 1.
Paddy Power has simplified the football leagues that are eligible for acca insurance by categorizing them clearly so that you don’t have to waste time trying to find them. This is done through the exclusive “Acca Insurance Coupon.” Acca insurance has never been easier to find!
Betway ACCA Insurance
Betway has one of the most appealing acca insurance offers. This offer is available to both new and existing customers and is provided on their site and mobile app. To qualify for this acca insurance, you must place 5 wins/draw/win accumulator bets during the weekend. If one team lets you down, Betway refunds you in the form of a free bet, which can go up to £ 25, thanks to acca insurance.
The additional requirements for the insurance require staking a minimum of £5. Your accumulator has to add up to at least 4 odds for the acca insurance to be valid.
If you would like to benefit from Betway’s acca, we recommend visiting their website to understand the terms better. They are subject to change occasionally, and acca insurance terms can vary, so it’s essential to stay updated.
888sport ACCA Insurance
888sport offers an Acca Club, similar to Acca insurance, for new and existing customers. To qualify, you need to place a total of £20 or more in accumulator bets from Monday to Sunday, with each bet containing at least 3 legs at minimum odds of 1/2 (1.5) per leg.
If 1 leg of your five-leg accumulator loses, you receive a matched bet refund of up to £25 as a free bet. The refunded free bet must be claimed within 3 days and is valid for 3 days. This offer can be used once a week, and bets on racing, American football, and virtual sports don’t qualify.
Boylesports Acca Rewards
The Boylesport’s Acca Rewards promotion offers both Acca Insurance and Acca Boost. By selecting Acca Insurance, you can place a 5+ fold accumulator on any sport, with each selection at minimum odds of 1/5 (1.2). If one leg of your accumulator fails, Boylesports will refund your stake as a free bet of up to £20.
Note that free bets are valid for 7 days, and the qualifying bets must be placed and settled on the same day. The insurance is available across all sports and all pre-live and In-Play markets. It’s open to both new and existing customers but does not apply to cashed-out bets.
10bet ACCA Insurance
10bet provides ACCA insurance for football accumulators with 5 or more selections. If one leg of your accumulator loses, 10bet will refund your stake up to £10 as a free bet.
Each selection must have odds of 1/2 (1.5) or greater. This insurance is available to both new and existing customers, and the free bet must be used within 7 days. Cashed-out bets are excluded from this offer.
NetBet ACCA Insurance
NetBet’s ACCA Insurance covers accumulators with at least 5 selections. If one leg lets you down, NetBet will refund your stake up to £10 as a free bet. This free bet must be used within 7 days.
Each selection must have minimum odds of 1/2 (1.5) or greater. This offer is available to both new and existing customers and applies to a variety of sports and markets. However, it excludes certain markets like horse racing, cashed-out bets and enhanced match odds.
Fafabet ACCA Insurance
Fafabet’s ACCA Insurance covers various sports and markets, excluding horse racing and enhanced match odds markets. To qualify, you need to place a 4+ fold accumulator bet. If one leg loses, Fafabet will refund your stake as a free bet of up to £10.
This offer is available to both new and existing customers. You can claim one free bet per day, which is valid for 7 days, to ensure you have ample time to use it.
How do I claim an Acca Insurance offer?
Claiming an acca offer is quite easy. All you need to do is log in to your account and place an accumulator bet strictly following the terms and conditions of your bookie. When your accumulator fails with just a single team out of the five, the bookie will automatically credit your account. You may either get your full stake back or some of it. Just make sure to read the T&Cs so that you can get the most out of acca insurance.
When Does My Bet Qualify For a Refund?
Your accumulator bet will qualify for a refund when one of the selected teams lets you down. However, you must place your bet in accordance with the terms and conditions stipulated by your bookie.
Acca Insurance Examples (How Does It Work Exactly)
Winning accumulator
Fixture Your pick Results
Leg 1 2 2 won
Leg 2 2 2 won
Leg 3 2 2 won
Leg 4 x x won
Leg 5 1 1 won
In this situation, all your bets win, so your bet wins. Acca insurance does not apply on this occasion.
Acca loses by one leg fixture
Your pick results
Leg 1 2 2 won
Leg 2 2 2 won
Leg 3 2 2 won
Leg 4 1 x lost
Leg 5 1 1 won
If you had staked £5 on this accumulator, you stand to get the £5 back from your bookie either in cash or as a free bet.
Acca loses by more than one leg
Your pick results
Leg 1 1 2 lost
Leg 2 2 2 won
Leg 3 x 2 lost
Leg 4 1 x lost
Leg 5 1 1 won
On this accumulator, the punter has lost with more than one leg. Therefore, they don’t qualify for the stake back.
How to Determine a Good Acca Insurance Offer
Minimum selections
Most Acca insurances set their selection limit at 5 or more legs. If any other bookie offers the minimum selection at 3 or 4 legs, then their acca insurance is more favourable to you as a punter.
Minimum Odds
The acca insurance you choose should have fewer limits in terms of the number of odds and the teams required to qualify. If the odd limit offer stands at 20, you may fall short, with more than one team losing your entire stake in the process.
Sports Selection
An ideal acca insurance will not limit you to pick your accumulator from one sport. It should allow you to combine tennis, horse racing, football, basketball and so on. This increases your winning probability since you get to pick the best teams in every sport available.
Refund Shelf Life
A longer refund shelf definitely signifies a great acca insurance offer. The shorter the shelf of your refund, the more disadvantaged you are because you must use it within the shortest time possible.
Free Bet Refund Value
The free bet refund values are one of the major determinants of whether an acca offer is worthwhile. A full refund upon qualification is certainly much better than a partial refund.
In addition, if a bookie offers up to £50 refund while another one offers a maximum of £10, the one offering more is better.
Wrapping Up – Why Using Acca Offers Makes Sense
Acca insurance is a great way to safeguard yourself from betting uncertainties. Take advantage of the acca insurance offers we have discussed here and boost your chances of making big wins on your accumulator bets.