Best Acca Insurance Betting Sites and Offers

Whether you are a seasoned professional at sports betting or you are just joining the scene, we are here to tell you everything you need to know about acca insurance. Acca (short for accumulator) insurance is incredibly handy for punters of all sports, not just football, where it is most commonly used.

For novice betters particularly, this insurance is a perfect way to ease into sports betting and potentially save you money, as there are fewer risks if you are still not quite used to or confident with betting.

Best Acca Insurance Bookies & Offers

William Hill

18+. Play Safe. New customers using Promo code BB40 only, Min €10/£10 stake, min odds 1/2, free bets paid as 4 x €10/£10, free bets credited after settlement of first qualifying bet, free bets will expire 30 days after the qualifying bet is placed, payment method/player/country restrictions apply. See full Terms & Conditions. #ad

Lad​brokes Sports

18+ New UK + IRE customers. Paypal and certain deposit types and bet types excluded. Min 5 bet within 14 days of account reg at min odds 1/2 = 4 x 5 free bets. Free bets valid for 7 days on sports, stake not returned, restrictions apply.

Betfred Sports

18+ | New UK & NI customers only. Promo code ‘SPORTS60’. Deposit & place first sports bet of £10+ in one bet transaction, at odds of Evens (2.0) +. settled within 7 days of registration. First bet must be on Sports. £30 in Free Bets credited within 48 hours of bet settlement, 7-day expiry. Payment restrictions apply. SMS validation may be required. Max 30 Free Spins on Justice League Comics. 7-day expiry. | Play Responsibly | Terms and Conditions apply.

Mr Mega Sports

18+ | Welcome Bonus: New Players only, 1st Deposit, Min Deposit,: €15, max €10 free bet valid for 14 days, bets must be placed at odds of 1/1 or greater and be settled within 14 days of placement. | System bets not eligible. Neteller,Skrill and Paypal not eligible. | Play Responsibly | Terms and Conditions apply.

Keep reading to find out about everything you need to know about acca insurance. If you are looking for more information on other topics regarding betting, check out our detailed betting guides UK for all the best tips and info.

How to Claim an Acca Insurance Offer?

The first step to claiming an accumulator offer at any sports betting site involves depositing money into your account at the site you prefer to you use. Next to consider is what you would like to bet on. Although football is quite possibly the most commonly chosen sport for accumulator betting, it is possible to use this insurance for other sports, with NFL acca insurance is making its way over the pond. So, after you have made this decision, it’s time to select some teams that you would like to bet on.

Choosing 5 team acca insurance is usually a good place to start for inexperienced punters, while also hitting the minimum teams that many sports betting sites hold for their acca insurance offers. Additionally, it can be a fairly easy process as it can be done without an acca insurance coupon.

Of course, it’s possible to select more teams if you would like. This undoubtedly increases the risk of your bet but on the other hand can provide some very lucrative rewards if you are incredibly lucky and successful with your selections.

Be sure to check out what the minimum deposit is for your chosen sports betting site as they can vary from website to website. Additionally, it’s important to find out what the minimum odds are to qualify for the offers.

Best Acca Insurance Bookies

All the best and most reputable sports betting sites offer accumulator insurance. We are happy to share some of our top choices below. Further Terms and Conditions will apply to these offers, so it’s best to head over to the appropriate official bookie site where you can find and read all the best betting site offers in full.

Paddy Power Acca Insurance

With Paddy Power, you can get acca insurance on all sports, barring Horse Racing, and all markets. They are also set apart from other bookmakers as it’s possible to qualify with just four or more selections, rather than the typical five. If one let of your four or more selections lets you down, you can get a Free Bet up to the value of £10 each and every day, as soon as your acca bet has settled. It’s no surprise that this bookie is known for being one of the top football betting sites uk has to offer.

The minimum odds for each selection stands at 1/5 and punters should take note that if for any reason, such as match abandonment, leaves the accumulator bet with less than four legs, a refund is not eligible.

SkyBet Acca Insurance

SkyBet is a slightly different bookie compared to the others in this list. While there isn’t a specific SkyBet accumulator promotion, there is a variation available during each week of the football season.

With this offer, punters can take advantage of the different style of acca insurance and place a three leg accumulator bet. However, rather than having to choose three different teams, two of the games are already set by SkyBet, while the third is controlled by the punter. This could be a great option if you are just getting into accumulator betting as there is only one bet you will need to focus on. Additionally, SkyBet say that taking this offer will ensure a higher payout than if a punter was to place each three bets separately on their site.

Acca Insurance William Hill

Known as ‘Acca Freedom’ at William Hill, this insurance is available over two different offers. Firstly, it is possible to insure your bet against a selection of five or more teams if one loses. Secondly, it can be used to boost the odds of trebles to win even more.

If a punter adds three of more selections that qualify, this will trigger a Bet Boost. On the other hand, adding five or more selections that qualify will ensure the acca insurance is activated. Within your account, punters will then have to select either ‘Boost’ or ‘Insurance’ to finalise the offer.

If a punter qualifies for the acca offer, the money back that William Hill will return will be in the form of a Free Bet up to £20. The acca insurance will only be able to be used pre-match and punters can only choose one - either the Acca Boost or Acca Insurance - per day. Some restrictions apply such as Horse Racing and Greyhounds not qualifying, as well as having at least 1/5 or 1.2 odds on the selections.

Ladbrokes Acca Insurance

Ladbrokes are confident they can offer one of the best acca insurance on the market. Punters can use a range of features to help land their bets. The ‘Boost’ feature allows you to see your odds get supercharged when placing your selections and is the first step to getting the acca insurance. After, the ‘Track’ feature on desktop and mobile allows you to track your acca bet, remove any losing legs, and cash it out, before or even during match play.

To claim this insurance offer at Ladbrokes, punters must make five selections or more, through markets such as Pre Match, Match Result, Both Teams to Score, and Correct Score. Ladbrokes will return any money of your first acca bet of the day in the form of Free Bets, up to £10.

If you are looking for something other than football, Ladbrokes offer one of the best NFL betting sites for UK punters.

Acca Insurance 2024

Acca Insurance offers icon Acca Insurance offers icon

Going into 2024, everyone should be looking for ways to stay safe. One such way is through acca insurance, which is hugely popular and is available at all the best and major sports betting sites. Punters love the idea of playing a relatively small stake with the possibility of huge returns, and with acca insurance, it gets you one step closer to that goal of potentially winning big.

Take a look below to find out exactly what Acca insurance is and why you should consider using it for all your accumulator bets, whether that’s for the footy, tennis, horse racing, NFL, or another favourite sport.

What Is Acca Insurance?

There is nothing worse than almost hitting your accumulator bet with all you hopes riding on your last team, just to find out just one result hasn’t gone your way. This insurance gives you peace of mind knowing that if one of your teams lets you down in your accumulator bets, you will still be able to get part of your original stake back. This means that rather than losing 100% of your stake, you will get a portion of it returned. Who doesn’t like getting a little something back as a small consolation prize?

The way in which the returned portion of your stake is delivered is entirely up to the sports betting site. Punters will find that the majority of betting sites will return the small part of the stake given in the form of free bets existing customers can use. However, if Free Bets are not particularly your preferred option, some betting sites will offer bonuses, or in some cases, cash.

If you are unfortunately having bad luck with your selections, and more than one team lets you down, it’s unlikely that you will qualify for the insurance offers. However, different sports betting sites have different Terms and Conditions, so make sure you diligently check them, so you know exactly where you stand before taking up the offer.

Acca professional indemnity insurance covers all punters to be insured against losses. Any acca insurance claims are therefore bound by indemnity insurance requirements meaning you will be completely protected through the bet you make. This will ensure that you will be able to get back a small portion of your stake if you meet all the acca insurance Terms and Conditions set by the bookmaker. Any acca insurance claims are bound by indemnity insurance requirements meaning you will be completely protected through the bet you make, ensuring you will be able to get back a small portion of your stake if you meet all the acca insurance Terms and Conditions set by the bookmaker.

Acca Insurance Offers

Accumulator insurance offers, while following the same principle, do vary between betting sites. On some sites, you will be able to find stand-alone acca insurance offers, while others twin them with other promotions, such as with a Welcome Bonus that is available to new customers signing up to the site for the first time. In this section, we will cover the most important areas of acca insurance offers that you should keep in mind while finding the perfect bookie to place your acca bets.

  1. Legs: The minimum number of legs typically stands around five or more, however, it is possible to find some bookies offering acca insurance for as low as three selections. Other bookmakers, such as Betstars acca insurance, are available from 6+ legs.
  2. Odds: Another point to remember is what the minimum odds are for each betting site. It’s vital that you ensure all the legs you select within an accumulator meet this criteria as you could end up not being eligible for the insurance. Not great if you realise too late and throw away potential returns.
  3. Maximum Refund: More often than not, you will find there is a cap to the amount that a bookie will return to you, in relation to your original stake. Bookies will typically return anywhere between £10 and £25. It is possible, however, to find some bookmakers that have decided not to enforce a limit, essentially providing some great returns on your acca bet.
  4. Stake Retuned: The big question many punters want to know is how a bookie will return part of the stake. The most common method seems to be with Free Bet credits, which would definitely satisfy the majority of punters. Although, Free Bets will not usually be able to count for placing another acca bet, which might not be completely satisfactory for some. While not common but still available, some bookies will return the stake in cash, meaning you can place another acca bet and have another go at winning a big bet.

Acca Insurance Strategy

Typically, acca insurance is offered on larger accas. Think 5-fold or 6-fold accas. Offering insurance on lower folds would not be economically viable for bookmakers, but we are grateful that they offer acca insurance on the larger fold accas. Now that you’ve decided that you want to get an insurance for your acca bet, you might be wondering what the best acca insurance strategy would be to follow. That’s why we’ll talk you through the four most commonly offered acca insurance strategies below.

Additionally, if you are feeling slightly confused or overwhelmed, it’s understandable! It is possible to find guides online such as an acca insurance spreadsheet to help you go through each step with detailed instructions to give you the best chance at a successful bet.

Sequential Lay

The first strategy involves placing an accumulator bet on five different matches that have different (sequential) starting times. Now that you have your 5-fold acca bet slip in your hand, you’ll be in the position to place a lay-bet on each of legs on your acca bet slip. First you place a lay-bet on the first match, and you wait for the result. Did your selection win? Great! Now continue with the second match and play a lay bet on that game. Continue to follow this pattern until you’ve covered all of your matches. You’ll effectively be able to bet against all the bets on your first bet slip, thereby creating what we call a ‘Sequential Lay’ acca Insurance.

  1. Place your 5-fold acca bet slip (make sure all matches start in sequential order).
  2. Right before the first match starts, place a lay bet on that same match.
  3. Repeat step 2 before every game on your acca bet slip starts.
  4. Hope for a free bet refund, or win your acca.

No Lay

This method is the simplest and easiest option when it comes to acca insurance strategies. With this method, no additional effort is needed and basically involves just placing your acca bet and seeing what results occur. There are three options that can occur with this method, being:

  1. All your legs win. This is obviously the results everyone is hoping for when placing an accumulator bet. You winnings will be based on your stake and the odds when you made you selection for the accumulator bet.
  2. One of your legs loses. This is where the acca insurance kicks in and you’ll be able to get a percentage of your stake back, either as a Free Bet or potentially in cash.
  3. More than one of your legs loses. This is the worst option and leaves you without any winnings or any possible returns on your bet.

Lay All At Start

This method revolves around placing a lay bet to your original selections before any of the matches have begun. This method is generally seen as positive when two or more of your selections don’t go your way, however, can be quite unpredictable at times.

It’s best for this method to find very low odds for the teams, but even with the minimum odds needed to qualify for the acca insurance, the qualifying losses could exceed the profit you manage to get from the Free Bet refund.

Lock In

This strategy can potentially guarantee a profit every time, providing everything is followed absolutely correctly, so matter how many of your selections fail, whether that is all five down to just one failing. However, it’s good to note that in some circumstances, it could be possible to lose.

This method is similar to the Sequential Lay and requires a punter to lay each game as they go. The main difference with this method is that you are compensating the value of the Free Bet when placing a lay bet, which means there is little to no risk for making a loss. However, due to this strategy, you would generally expect to have reduced winnings in comparison to other methods seen. In addition, this strategy will require you to be on top of all your matches as you will need to lay matches at specific times.

Winnings Boost

This perhaps isn’t solely classed as a strategy; however it is good to note that some bookmakers offer an additional percentage boost on winning accumulator bets. Bookies often have a set percentage depending on exactly how many selections have been placed, but of course the more selections in your acca bet, the greater the risk of losing. Bookmakers such as Bet365 and Unibet currently have boosts available on acca bets as low as three selections. This could be a great place to start if you are just getting into accumulator betting and acca insurance.

Matched Betting Acca Insurance

Matched betting is a well known method in the betting industry where punters can supposedly make risk-free profits through taking advantage of offers from bookies. Matched betting acca insurance involves placing a bet at a bookmaker (and in the process hopefully snapping up some free bet credits in the process) and using a betting exchange site to place a lay bet. This means no matter if the team wins or loses, you will still have a successful bet on your hands.

It is possible to use acca insurance matched betting to get potentially big successes. This involves placing lay bets against each selection of your accumulator bets to ensure all outcomes are covered, while taking advantage of a profitable offer from a bookie.

Pros and Cons

With all the best acca insurance offers there are of course advantages and disadvantages to consider. Here are some of the major benefits and drawbacks of opting into accumulator insurance at some of the major bookie sites.


  • Peace of Mind: Getting accumulator insurance can give you a boost of confidence when placing some large accumulator bets. This is because you will be able to get some of your stake back, rather than losing it entirely.
  • Sports: Football ACCA insurance isn’t just the only sport market. You will be able to find a range of sports where accumulator betting and insurance is available. So, whatever sport you are into, take the time to check if acca insurance could be possible for your next accumulator bet.
  • Ease of Use: Taking accumulator insurance doesn’t require anything extra from you. If you were already on track to place an accumulator bet, then adding acca insurance only adds positively to your experience.


  • Odds: There are often minimum odds required to qualify for acca insurance. These requirements will change from bookie to bookie, so you will need to read all the Terms and Conditions to ensure you know exactly what is required to take advantage of the offer.
  • Returned Stake: Another thing that changes between each bookie is the returned part of your stake. This can either be in the form of Free Bets, bonuses, or even cash. If you are certain you would like cash over Free Bets, you will have to put in a little extra research to find these bookies. However, if you are not fussed on what you would like returned, then this makes the process of choosing a betting site much easier.
  • Refund: Many bookies will only allow a punter to get one refund per day. This means that if you are placing more than one accumulator bet with insurance per day, you will need to be sure which accumulator bet you would most like to have insurance on.
  • Strategies: The strategies often used with acca insurance can take some time to learn and can be much more complicated than placing single bets on a market.


Accumulator insurance should be on every punter’s mind, whether you are experienced or just beginning to place wagers. This insurance is particularly useful to give punters that extra peace of mind to an already adrenaline filled time when keeping tabs of all the different legs of an acca bet.

So, when one leg of the bet doesn’t go your way, there is no need to worry - your whole stake won’t be lost! Claim back part of your stake in the form of Free Bets, bonuses, or occasionally, cash to keep the entertainment rolling. We hope this guide helps you to become an acca professional.

Rebecca’s View about Acca Insurance

I love the comfort of knowing that I have some leeway with my accumulator bets. The thrill of watching each match increases with each one going your way, but of course it comes with a high price when you are waiting for that last match to go in your favour. No one likes the feeling of being stung right at the last hurdle, so at least with acca insurance you can leave with at least something rather than nothing.

You will be able to find different offers with varying terms and conditions attached to the insurance offers, so definitely take the time to check around and familiarise yourself with them, so you can choose the one that suits your preferences the best.

Good luck with your accumulator bets and always remember to use betting as a form of entertainment.


What is Acca Gambling?

Accumulator, often shortened to ACCA, gambling refers to a bet that is made up of multiple selections. An accumulator bet will pay out much higher odds than if a punter was to place the different legs as single bets. This is because there is a higher risk for one of the legs to go wrong, meaning that the whole accumulator bet would be lost.

What Is an Acca bonus?

Bookies know that ACCA betting is incredibly popular. It’s therefore possible to find many ACCA bonuses on all the top bookie sites. An ACCA bonus simply refers to the bookmaker giving punters a bonus amount for winning a multiple wager bet. As an example, if a punter places a 5+ football acca bet successfully, the bookmaker may offer an extra 15% on top of the winning amount.

Does Acca Insurance Work on a Free Bet?

Typically you will have to deposit and place a wager using real money at a bookmakers to get ACCA insurance. If one of the legs in your bet doesn’t go your way, bookmakers will often dish out a free bet for you to continue your entertainment.

Is It Possible to Make Guaranteed Profit with Acca Insurance?

It’s possible to get some of the heavy lifting regarding accumulator bets done with online products that calculate profitable accumulators. Matched Betting acca insurance is widely considered to give the best profits when betting. However, like with all betting, there isn’t a 100% sure-fire way to always get a guaranteed profit when using ACCA insurance.

What Is Ladbrokes Acca Insurance?

Ladbrokes are offering the best way to get yourself an Acca bet. Punters will receive money back as a Free Bet if one of your teams you are backing lets you down. This is available to your first Acca bet of the day and is only offered when you place a 5+ team acca from certain markets such as Match Result, Both Teams to Score, Match Result, and Total Goals Over/Under.

What Does 5+ Acca Insurance Mean?

5+ ACCA insurance simply refers to any bet you have placed on five or more teams. Of course, the greater the risk, the greater the reward when it comes to betting. So, betting on more teams will bump up the return on your stake dramatically.

Are 5 Selections the Maximum?

No, with most bookies it is possible to place accumulator bets with more than five selections. Placing more selections will of course drastically increase the potential profit, however this comes at a cost of being riskier with every extra leg added to your accumulator bet.

What if More Than One Team Loses?

Acca insurance often only covers one team out of your total selections losing. This means that if two or more legs don’t go your way, it is highly likely that you won’t qualify for whatever accumulator insurance you have on your bet. Terms and Conditions do however change from bookie to bookie, so it’s best to familiarise yourself with them.

What Is the Best Strategy for ACCA Betting?

This depends on a few factors such as the highest potential profits, the quickest time to complete, and how much time and effort you are willing to spend betting. Lay at Start and No Lay strategies both are very easy and don’t require extra effort once you have made your team selections. Sequential Lay and Lock In are both seen as having the lowest risk.