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Which Bookmakers Have Acca Insurance?

Bookmakers With Acca InsuranceIf you are somebody who enjoys placing accumulator bets on a regular basis, then ensuring you get acca insurance is an absolute must.

Lots of bookies run this promotion but they are not all made equal. Below is a list of the best bookmakers with accumulator insurance and examples of how the offer works.

Betting Sites With Accumulator Insurance

#1 – WilliamHill.com

William HillWill Hill have the number one offer because they apply their insurance offer to all sports.

You must have a minimum of 5 selections in your bet to qualify and only match bet, match result and both teams to score markets count. Max refund on offer is £50.

Get Offer & Bet £10 get £30 free bet at Will Hill!

New customers only, 18+, T&C's apply.

#2 – Ladbrokes.com

LadbrokesLaddies only apply their promotion to football markets and again your bet must have at least five selections in it to qualify.

Be aware though the max refund is £25 and your accumulator must only have win-draw-win market selections only.

Get Offer &

#3 – Betfred.com

BetfredBetfred have a whopping sign up bonus and offer insurance on accumulator bets placed on NBA, MLB, NFL, NHL and all soccer matches.

You must have five selections in your bet and the max refund available is £25 per bet. It’s a great offer for new customers and anyone betting on American sports as well as football.

Get Offer & Bet £10 get £30 + 30 free spins!

New customers only, 18+, T&C's apply.

#4 – Coral.co.uk

CoralYou can only get this promotion on win draw win and both teams to score bets placed on football matches. Again its a minimum of five legs in your bet but you must have a min odds of 3/1 (4.0) overall to qualify. There’s a minimum refund of £2, so bet £2 or more to qualify and there’s a max of £25 for the refund which is paid in free bets.

Get Offer & Bet £5 get £20 free bet at Coral!

New customers only, 18+, T&C's apply.

#5 – PaddyPower.com

Paddy PowerThe new player bonus at Paddy Power is a little disappointing, just a £20 risk free bet, but they do run acca insurance on all top football leagues. Unfortunately it’s win draw win markets only though. Again it’s a min 5 selections but the max refund is £50 (paid in free bets) which is a nice bonus.

Get Offer & Click here to join Paddy Power!

New customers only, 18+, T&C's apply.

What is Accumulator Insurance?

Accumulator insurance is a promotion which, under specific circumstances, offers you a refund on your acca bet if it only just misses out (the terms vary from bookie to bookie).

Refunds are universally issued in the form of free bets which are stake not returned.

A common form of insurance is when a bookmaker offers you a refund on accumulators of over a stated number of selections (usually around 5, but it can be more or fewer) when one of your selections lets you down but the others all win. An occurrence which many accumulator punters will know, happens all too often.

This offer is in effect a consolation prize, offering the punter their cash back for going close with their accumulator. Over the course of the season, this type of promotion can prove to be important for punters that enjoy regular accumulator betting, especially those that place football accumulators, as it can mean a significant number of their stakes are returned to them (albeit as free bets) over the course of the season.

How Does It Work?

As you can see from the list of different offers available from the bookmakers above, many of these acca insurance promotions are very similar with just a few small differences between each.

While there are some differences between how different companies operate these forms of bets, as a general rule of thumb this is how to take advantage of the promotions:

How to place an Acca Insurance qualifying bet

Always check the detail of your chosen bookmakers acca insurance offer before you place a bet to ensure your bet matches the criteria for the offer. However, in the majority of cases with the top sports betting companies your accumulator must:

  • Contain a total of five selections or more.
  • Have selections that must add up to a minimum odds amount.
  • Be placed on one specific sport (usually this is football).
  • Use selections taken only from specific named markets as outlined in the terms and conditions for that particular accumulator insurance offer.

How refunds are worked out and paid

Understanding when your bet qualifies for a refund and when it does not is a key part of this promotion. In almost all cases, when you have placed a qualifying bet, the refund is only ever paid when only one of your selections lets you down.

As mentioned previously, the refund is not paid back to you directly as a cash refund, but instead is paid as a free bet.

The free bet is always the same value as the punters original stake, but only up to the maximum value stated in the offer. So if your offer says that stakes are refunded up to £25 and you place a qualifying £30 accumulator bet, if you receive a refund then it will only be for the £25 maximum.

Most accumulator insurance offers state their maximum refund clearly and this is of great use when formulating your bet. Most tend to be of a maximum refund value of between £25 and £50.

It is worth noting that your refund may also come with additional terms and conditions:

  • Restriction or stipulations on certain markets.
  • Minimum odds of original wager.
  • Minimum stake amount of original wager.
  • Stake on free bet of any refund is not returned when you use it subsequently.

If you’re still not quite following how this type of offer works then check out the three examples below:

Example 1 – Your Original Accumulator Bet Wins

You bink your five team bet in spectacular style and there’s no need for a refund because you’re already rolling in cash. No insurance required or paid here.

Example 2 – You Lose By One Leg

  • You place a five-fold £10 accumulator bet which qualifies for insurance and which has a total combined odds of 20/1.
  • Four legs of the accumulator win, but a single leg on the accumulator is a losing selection.
  • The bet loses so you lose your stake.
  • However because your bet qualified for the promotion you get a £10 free bet refund placed in your account.

Example 3 – Your Original Bet Loses By Two Or More

  • You place a five-fold £10 accumulator bet which qualifies and has a total combined odds of 20/1.
  • Two or more selections made on the bet are losing selections and therefore the bet is losing one.
  • The bet therefore is unsuccessful and you lose your stake.
  • As your bet loses by 2 or more selections there’s no refund from the insurance either – bad times!
the Cheeky Punter
The Cheeky Punter is an ex professional online sports bettor and trader with over 15 years of experience in the industry. He has worked for a number of top bookmakers including Ladbrokes, William Hill and Coral. He's also written for a number of leading news outlets including the Guardian, i (newspaper) and Soccer Lens. More about him here.