Acca Insurance

Accumulators have always been a popular type of bet in the UK as they offer the chance for a big payday from a relatively small stake – in January one lucky punter landed a 14-leg acca which paid out a whopping £70k on his original stake of £5.

Because of their popularity, more and more bookies have started to offer money back offers on losing accumulators. Often referred to as ‘acca insurance’ these promotions offer money back (usually in the form of a free bet) if your bet loses by just one leg.

Whilst none of the offers are going to make you a millionaire, these promos certainly help take the sting off missing a big score by a single result, and definitely add value to your bets. As they all tend to have a maximum value of around £25 (sometimes £50) it’s wise to split up any accas for more than this over multiple bookies.


Football Accumulator Insurance

It should come as no suprise to hear that many acca insurance offers revolve around football. For this reason we’ve separated the football only acca offers from other sports and compiled them in the list below, along with a quick summary of their terms.

Super Acca Insurace – Up To Three Losing Legs (6+ Legs)

For Coral’s offer you need to place all of the bets in your acca on the match odds market of any football matches. What’s different about this promotion is that you can have more than one leg lose and get your money back, with the bigger the acca the more losing selections it can contain. The refund will be given as a free bet and has a maximum value of £25.

Win/Draw/Win (5+ Legs)

Betway offer money back as a free bet on losing accumulators on the match odds market (Win/Draw/Win) of any football game (max £25). The accas must have five or more selections (all on the correct market) and there is a minimum odds requirement of 3/1.

Match Odds (5+) / Both Teams To Score (4+)

Betfair actually have two offers for two different football markets. The first is on the match odds market and applies to accumulators with five or more selections whilst the second is on the both teams to score (BTTS) market and requires four or more selections.

For both promotions you need to opt in on the Betfair website (just once) and then place your bets. Their are minimum odds per selection of 1/5 and a minimum total odds of 4/1. Maximum refund is £25 per bet.

Both Teams To Score (5+)

BetVictor were one of the first bookies to offer this kind of promotion, and their original offer is still running on the both teams to score market. Place a 5-fold on the BTTS markets of any games and you’ll receive your stake back as promo cash if one selection loses (max £25 per person per day).

Football Accumulator Bonuses

If you’re particularly confident in your acca then you may want to look at the opposite type of promotion – bonus winnings on your accas. The bonus is usually as a percentage of your regular win, and based on the number of legs, so the more selections you have, the bigger your bonus.

Up To 100% Bonus On Winning Accas

Bet365 offer a bonus worth up to 100% of your win from a successful acca. Applies to straight accumulators only on football matches from various European leagues including Premier League and Champions League as well as various leagues from other countries.

The minimum acca to qualify is a treble which will get a 5% bonus, with the percentage rising with each leg up to a maximum of 100% on a 14+ fold. For a full list of percentages see the Bet365 website.

Other Sport Insurance Offers

Whilst it is true that more of these kinds of promotion are for football than any other sport, there are a number of them that involve other sports as well – either singularly (eg: Darts or Golf) or as a catch all ‘Any Sport’ offer.

All Sports (5 to 10 Legs)

For this offer from Vernons your acca can include an combination of selections and sports, provided that it has at least five legs (but no more than 11) and combined odds of at least 3/1. The maximum value of this offer is £50 which will be given as a free bet.

All Sports (4+)

10Bets offer applies to accumulators made up of four or more legs from any sport (or combination of sports), provided that at least three of the legs have odds of 1.6 or more.

You need to manually claim this offer via live chat or email by quoting your bet number along with ‘Acca Money Back’. The maximum amount of cash back you can receive is £50 per bet, up to a maximum of £500 per month.

Common Terms & Conditions

As with any betting offer, it’s important to understand both what you need to do to be able to get it, and what things you mustn’t do if you want to claim. Below we’ve covered some of the more common restrictions an drequirements, but each bookie or betting site will have their own set of T&C’s so make sure you check the specific terms of the promotion you’re claiming.

  1. Number of Legs – All of the promos listed above have a minimum number of legs (usually 4 or 5), and the odd one or two have a maximum number as well. In order to be eligible for the money back you need to make sure your acca has enough selections, but not too many.
  2. Void Bets – When a match is abandoned for any reason, that leg of the acca is often considered void and effectively taken out of the bet. This is important when considering the number of legs – for example, if your 4-leg acca has a void selection, it may be considered a 3-leg acca which is no longer eligible for the money back.
  3. Set Markets, Leagues or Sports – Many bookies will restrict their acca offers to a specific market (such as ‘match odds’ or ‘both teams to score’), league (eg: Premier League) or sport (eg: football). If such a restriction is in place all of the selections in the acca must follow this rule, regardless of the number of legs.
  4. Minimum Odds – The final term to look out for relate to the minimum odds which can be given either per leg or for the acca as a whole. Not all offers have a minimum odds requirement, but plenty do.