by Daniel Bennett on 02.01.2024

Acca Insurance – Best Acca Insurance Offers 2024

Find the Best Acca Insurance Offers now. Find out which Bookies offer Acca Insurance and how you can use it to protect your bets. Check out our best sports betting sites and free bets now.

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Acca Insurance Offers & Free Bets

Here at Gambling Deals, we search the market for the best betting deals online. And we know that nothing hurts more than hitting an amazing betting deal, and blowing up your acca on one bad result. So we say goodbye to the days with the help of the best acca insurance offers.

Find Acca Insurance Offers and Free Bets – Courtesy Of Gambling Deals

We focus our search on finding the best acca insurance deals from across the market. That way you don’t have to feel the hurt of one team busting your acca. We’re sure you know the feeling. It hurts so bad, especially when you don’t cash out and you know you should.

So before you grab your next free bet bonus, make sure you check out our best acca insurance offers. If you like to bet on the football, this is even more important as acca insurance is most commonly used to protect football accumulators.

Start by checking our our comprehensive guide on acca insurance. And find out exactly how to use this insurance as a great tool for protecting your bets.

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What Is Acca Insurance?

Acca Insurance is a simple way to protect your sports bets. Most bookies will offer you the ability to place an accumulator bet when depositing and placing a wager in their sportsbook. Accumulator bets (or accas) rely on you predicting a series of results in order to win your bet. For example, five different correct results on five different football matches. When you place an acca, you get the benefit of each bets odds multiplying the total odds of the acca winning.

Acca Insurance allows you to protect your accumulator bets by giving you your stake back in the form of a free bet, if one of your predicted results goes against you. Acca Insurance is a great way to continue wagering on risky acca’s, without the worry that one result will blow up your betting slip.

How Does Accumulator Insurance Work?

Acca Insurance most commonly gives you back your wager in the form of a free bet. This can either be all of your initial bet, or part of it. This depends on the Terms and Conditions of the acca insurance on offer. If you’re looking for the best free bets, then check out our complete guide to free bets. This guide runs through everything you need to know about betting offers and free bet deals. In particular, where to get them, how to make the most of them, and what to look out for. We also review the best football betting sites from across the market – be sure to check it out.

When taking up a free bet. Make sure you check whether the bookie offers acca insurance. Especially if you plan to place football bets on accumulators.

How Do I Use Acca Insurance?

Ready to get your hands on acca insurance offers at a top online bookie? Here’s how.

  1. Find an online sports betting site that features an acca insurance promotion. If you need a little help in this regard, you can check out our guides to existing customer promotions at various top bookmakers.
  2. Register a new account at your chosen sports betting site. If you’ve opted for one of our featured sites, our direct link will whisk you straight to the sign-up page to make this step quick and convenient. 
  3. Claim the site’s welcome offer if you wish. Individual welcome bonuses vary, but risk-free bets and free bet tokens when you make your first real money deposit are a common way for sports betting sites to welcome new punters. 
  4. Place your acca bet according to the T&Cs. As with welcome bonuses, the small print varies between sites but will usually include details like the minimum number of selections, minimum stake, and minimum odds requirement. There isn’t usually a bonus code for these offers, though you might need to opt in via the promos page.
  5. Wait until all your match results are in. If one selection lets you down, the acca insurance offer will kick in and you will get your money back, usually as a free bet token and up to any maximum refund amount specified in the offer terms. 
  6. Use your free bet token within the time specified in the promo T&Cs. Remember that free bet stakes are not returned. Alternatively, if you’ve received your refund as cash, you are free to withdraw or place another bet at a time of your choosing. 

Acca Insurance, short for Accumulator Insurance

Acca insurance is short for accumulator insurance. Accumulator betting is one of the most popular forms of sports betting out there. Accumulators allow sports bettors the opportunity to bundle bets together to multiply their odds. For example, if you felt confident that the top 3 Premier League teams would win their games at the weekend, you could place an accumulator bet on all three results. For example:

  • Manchester City to beat Everton
  • Tottenham to beat Leicester
  • Liverpool to beat Crystal Palace

If each of the games were being offered by a bookie at evens odds, then you would end up with odds of over 3/1 if all results came in. This is because the bets are all multiplied together to accumulate the bet into one.

Acca insurance allows you to place this bet, without the fear that one bet will blow up your betting slip. For example, if Liverpool drew with Palace. You would get your stake back as a free bet. That way, you live to fight another day with a loading betting balance. Nothing feels worse than seeing your total deposit disappear down the drain.  It’s important to be aware of Terms and Conditions though.

Before we get into what to watch out for in the small print of acca insurance offers, let’s look at some real-world examples of acca insurance promos at top UK bookmakers:

NameBonusClaim BonusReviewTerms and conditionsInformation

Bet £10 and Get it Back as Cash if it Loses

Claim Bonus

Paddy Power gives you a free bet if one leg of a 4+ fold acca bet lets you down. This offer is available on pre-match acca and Bet Builder bets on all sports except horse racing, and on all markets bar enhanced match odds markets. The minimum odds for each selection must be 1/4 (1.25) or greater. Any free bets are credited as soon as the last bet settles and must be used within seven days. You can claim a max refund of £10 per day until June 2023.

New customers only. Available to residents of UK or Republic of Ireland.

Bet £10 Get £30 Free Bets

Claim Bonus

The Acca Freedom promo at William Hill offers insurance on one bad result from an acca with 5+ selections. Your picks can be on pre-match or in-play bets on any sport except horse and greyhound racing and virtual sports, and must be at odds of 1/5 (1.2) or greater. Any free bets earned are credited within two hours of your last result and must be wagered within 30 days. You can claim a max refund of £20 each day from this ongoing promotion. 

New William Hill online customers only. Min. unit stake of £10/€10 at odds of 1/2 or greater. Only the “win” part from EW bets will count. Free bet terms, payment method & country restrictions apply. Free bets credited as 3 x £10/€10. Free bet stakes are not returned as part of the settlement of successful free bets. All Free Bets must be wagered within 30 days.

Bet £10 Get £40 Welcome Bonus

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Betfred’s football acca insurance protects against one bad result from a 5+ fold football acca. The promo is available on a variety of football leagues, including the English Premier League and the Champions League, and on football markets like correct score and total goals over/under. Selections must be at odds of 1/2 (1.50) or greater, and any refunds are processed as cash within 24 hours of the final match result. Bettors can claim a max refund of £10 per day from the Betfred acca insurance offer. 

New 18+ UK customers only. Register using the promo code WELCOME40, deposit and place first bet of £10+ on Sports (cumulative Evens+) within 7 days of registration. First bet must be on Sports. £30 in Free Bets and £10 in Free Spins (50x20p) credited within 10 hours of bet settlement. Free Bet stakes are not included in any returns. Bonuses have a 7-day expiry. Payment restrictions apply. SMS verification and/or Proof of I.D and address may be required. Full T&Cs apply.

Deposit £10, Get £40

Claim Bonus

Unibet has an acca insurance offer that focuses on European football and in particular Champions League and Europa League matches. All you need to do is place a minimum £10 four-leg acca bet on your chosen European games, and if one of your teams lets you down you’ll receive your stake back. There are terms and conditions attached to the offer, such as minimum odds of 2/1 or 3.0, with all refunded stakes returning to your account within 72 hours.

18+ New Customers only. Minimum Deposit £10 and Get £40 in Casino Bonus Funds. Debit card only. Up to 50x wagering, game contributions vary, max. stake applies, new customers must opt in and claim offer within 24 hours and use within 30 days. See full terms.

What to be aware of with Acca Insurance Offers

There are a couple of things to be aware of when taking advantage of acca insurance. Let’s take a look.

You will get your stake back as a free bet

It’s almost certain that the bookie will give you your acca insurance bonus back as a free bet. This means that if you deposit £20 and lose the lost, you won’t get £20 back that you can withdraw. This will be a free bet that will need to be wagered with the bookie, before it can be withdrawn. That free bet might be subject to it’s own terms and conditions.

There are caps on your initial stake

Often you don’t have complete freedom on what you can initially wager when taking out acca insurance on your accumulator. This amount is usually £50. That means that you cannot place a bet over £50 and get the reward of a free bet acca insurance bonus if one result blows up your acca. The best betting deals often add this stipulation.

Minimum odds

Most of the major football leagues are included when taking out acca insurance. However, you often have to bet on odds that are over 1/5. That means you can’t pile in bets that are dead certs, just to protect your one risky bet. This is pretty common so don’t be surprised to see it.

Minimum number of results

Again, acca insurance is also usually only available on accumulators with a minimum of five results. You cannot just add two bets together and expect to get your bet insured if one of the results let’s you down. Acca insurance is for serious acca players who load up their bet slips and take higher risks, for higher rewards.

Terms often state a maximum refund

Acca insurance offers usually place a cap on how much bettors can get back from the promotion. For example, if an online bookmaker states that the max refund for an acca insurance promotion is £20, that’s the maximum you can get back as a free bet if one of your legs costs you the wager. That will be the case even if you stake more than £20 on your qualifying bet, and no matter what the combined odds suggest you might have won.  

When Will I Get My Acca Insurance Refund?

How long it takes to get a refund from an acca insurance offer will depend on the sports betting site running the promotion. Most sites will process refunds immediately after the last game or match result comes in, so you will get your free bet token or other refund almost straight away. However, some sites will take a little longer to credit the refund to your account, though usually no more than 72 hours after the last acca leg settles. You will need to check the T&Cs to see how long acca refunds take for specific promotions.  

Let’s see how it works

Now you know what to look out for when placing your bets, let’s take a look at an example of how acca insurance works. This is a great section for people asking, ‘what is acca insurance?’ when looking for the latest betting promo.

Let’s say you have followed the above guidelines and placed the following bets:

  • Barcelona to beat Real Madrid
  • Leicester to beat Southampton
  • Arsenal to beat Brighton
  • Manchester United to beat Everton
  • Derby to beat Ipswich

All of the result meet the minimum odds criteria, and you have placed enough bets to qualify for acca insurance. You have placed a £50 bet on combined accumulator odds of 12/1. Your total return if successful is £600.

In the last minute of the El Classico, Real Madrid strike back to draw the game 1-1 and your acca goes bust. However, each of the other results have come in. While you’re still going to feel heartbreak, you will get your £50 stake back into your betting balance as a free bet for you to wager. This will usually be returned to you pretty quickly (if not instantly). However, you will need to be the acca insurance bonus within 7 days to use it.

Yes you didn’t win your acca but you have another bite of the cherry. But if you didn’t take out your acca insurance then your bet would have completely blown up. That is not something anyone wants.

Want something a bit different?

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  • What does acca insurance mean?

    Acca insurance is a sportsbook promotion that returns your stake if one leg of your acca bet loses. Terms and conditions apply to these offers, with minimum odds and maximum refunds among the details you may find in the small print. Refunds are usually, but not always, given as a free bet. A handful of betting sites do pay out in cash. 

  • Acca Edge is a particularly competitive acca insurance offer available at Betfair. This promotion is available across all sports and selections and on trebles and above. There is no minimum odds requirement and no maximum refund amount. Like the Betfred offer, the Betfair Acca Edge promo differs from many insurance offers by providing a cash refund if one leg of your bet loses. If eligible, you’ll receive the refund instantly just as soon as the last leg of your acca settles. 

  • You won’t find acca insurance offers at every bookmaker, though they are very common. In addition to the examples listed on this page, the Ladbrokes acca insurance offer, Bag Yourself the Best Acca, is a good pick, as is the Acca Rewards offer from BoyleSports in Ireland. To help you find the best acca insurance offers, you can also read our guides to promotions for returning customers. We offer these guides for several top betting sites.

  • Often, yes. While some sites, such as Betfred, feature specific football acca insurance offers, many bookies offer accas on a wide variety of sports and sports betting markets, including the likes of basketball, golf, and tennis. 

  • When a number is specified in acca insurance offers, it simply denotes the minimum amount of bets you need in your acca bet, for the insurance to be valid. For example 5+ means you need at least five bets in your acca for the insurance terms to kick in.

  • Usually no – acca insurance typically returns your stake in the form of a free bet or account credit.

  • Acca insurance is a great way of softening the blow of a lost bet. The best bookies will offer this type of promotion as a way of encouraging new customers, but also to offer a little something back. If you know you will receive your stake back even if you lose, many bettors will go for a bet they may not usually consider.


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    Online gambling content experts helped write, edit and check this page:

    Daniel is Head of Operations at Gambling Deals. Along with contributing content to the site as both a writer and editor, Daniel is responsible for the site's development across content and functionality, striving to ensure Gambling Deals is the premier location for gambling offer comparison. In his spare time Daniel is a keen photographer, basketball player, Premier League and NBA aficionado, and dedicated Liverpool fan.
    James is a contributor at Gambling Deals focused on delivering his gambling industry expertise to our users in easy to understand and digestible copy. As well as writing guides, reviews, and recommendations, James supports the team with fine-tuning across the site to make sure we offer as much value as possible.

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