Best acca insurance offers for 2024 – Get your acca losses back!
ACCUMULATORS, also known as accas, are one of the most popular ways to bet on sports in the UK, especially football. British online bookies quickly came up with an exciting offer to make these bets more enjoyable – acca insurance.
But how does acca insurance work and what does it offer to punters? That’s why I'm here to teach you. Read my guide to discover the ins and outs of acca insurance bonuses.
Find The Sun's betting publishing principles here.
⭐ Best UK bookies we work with for acca insurance
Acca insurance is a handy tool if one leg of your bet lets you down. On the one hand, we don’t like it, as we obviously prefer our bets to win. But if one team does let your accumulator bet down, it is great to have acca insurance to fall back on. Here are my favourite bookies that offer it.
1. Betfred
- No. of acca selections: 5+
- Minimum match odds: 1/2 per leg
- Overall acca odds: N/A
- Sports markets: Match Result, Both Teams to Score, Match Result & Both Teams to Score, Half-Time/Full-Time, Total Goals Over/Under, Match Result & Total Goals Over/Under, Correct Score, Double Chance and 1st Half Over/Under.
I love Betfred’s Acca Flex offer. Acca insurance started as a way of just getting your money back if one leg loses. Then different variations came along, such as bookies offering you a cash boost on a winning acca.
Betfred has taken both of those formats and combined them to create Acca Flex. With Acca Flex you can get a cash bonus of between 2.5% (five selections) and 50% (12+ selections) on winning accas, or your money back - in cash - if one leg of your acca lets you down.
Simply brilliant. They covered both acca offers at once. The one downside is that there is a maximum refund of just a tenner.
| Pros |
|---|
| ✔️ Winning acca bonus |
| ✔️ Money back if one leg lets you down |
| ✔️ Refund in cash |
| Cons |
|---|
| ❌ Maximum refund of only £10 |
2. Paddy Power
- No. of acca selections: 5+
- Minimum match odds: N/A
- Overall acca odds: Minimum of 3/1
- Sports markets: All sports except Horse and Greyhound Racing
Paddy Power always has an offer available, it wouldn’t be Paddy Power without some sort of money-back special available.
Paddy’s acca insurance is known as Acca Cracker. With Acca Cracker, you can get your money back as a free bet if one leg of a 5+ selection bet lets you down.
Better still, it’s not just football it’s available for, you can use it in any sport except horse racing and greyhound racing.
The offer is available every day, and it’s up to a maximum of £50. So it is ideal for the bigger bettors. It’s a shame the refund is in a free bet. But it’s okay if you are a regular bettor, as you will have no problem using it.
| Pros |
|---|
| ✔️ Great free bet refund of up to £50 |
| ✔️ Available on nearly every sport |
| ✔️ One refund a day is available |
| Cons |
|---|
| ❌ Refund is a free bet rather than cash |
3. Ladbrokes
- No. of acca selections: 5+
- Minimum match odds: 1/10
- Overall acca odds: 3/1
- Sports markets: Match Result, Both Teams to Score, Match Result and Both Teams to Score, Correct Score, Over/Under Total Goals or 2up&win.
The Ladbrokes acca insurance offer sees you get £10 back as a free bet if one selection of a 5+ acca lets you down. This offer isn’t as strong as some of the others, but it is a great alternative if you bet on football regularly, as it is available every day.
Unfortunately, the £10 refund comes back as a free bet. But with a minimum selection of 1/10 per leg, you can boost your acca with more nailed-on certs as long as your bet pays 3/1 or better.
You are also entitled to claim the offer once a day. Just one more thing to note, it’s only available on your first acca bet of the day.
| Pros |
|---|
| ✔️ Available once a day |
| ✔️ Very low minimum odds to qualify |
| ✔️ Great for regular football bettors |
| Cons |
|---|
| ❌ Only available on selected football markets |
4. BoyleSports
- No. of acca selections: 3+
- Minimum match odds: 1/5 per selection
- Overall acca odds: N/A
- Sports markets: Athletics, Aussie Rules, American Football, Badminton, Baseball, Basketball, Beach Volleyball, Bowls, Boxing, Cricket, Darts, Field Hockey, Football, Futsal, Gaelic Games, Golf, Greyhounds, Handball, Horse Racing, Ice Hockey, MMA, Motorsports, Netball, Pool, Rowing, Rugby League, Rugby Union, Snooker, Speedway, Squash, Table Tennis, Tennis, Volleyball, Water Sports and Winter Sports
Acca Rewards from Boylesports is similar to Betfred’s offer, except you have to choose if you want to insure your bet or boost your bet.
If you choose to insure, you can get up to £20 back as a free bet if one leg of your 3+ acca loses. If you choose to boost, you can get up to 100% back if you have a winning 14-fold bet. The boosts start at 3+ selections, where you can get a bonus of 3% paid on your winning treble and work their way up.
Boylesports Acca Rewards is a decent variation of all the other offers. The minimum acca selection of three is perfect if you don’t like placing bets with plenty of selections. And the £20 refund is middle of the road if you like slightly bigger bets.
Another thing I love about this offer is you can also use it in play.
| Pros |
|---|
| ✔️ Choice between insuring and boosting |
| ✔️ Lower number of minimum selections |
| ✔️ Available pre-event and in-play |
| Cons |
|---|
| ❌ Maximum payout of £1000 |
5. kwiff
- No. of acca selections: 4+
- Minimum match odds: 1/2 per selection
- Overall acca odds: 4/1
- Sports markets: Football matches only
Kwiff isn’t shy when it comes to offering customers an incentive to bet with them.
Their acca insurance is known as Kwiff Acca Shield and it offers you a refund up to a maximum of £20 if one leg of a 4+ football accumulator lets you down.
The qualifying criteria of 4+ selections is one below the industry standard of 5+ and one more than Boylesports (3+). But there is a slight trade-off in the minimum odds of 1/2 per selection and 4/1 for the overall bet.
Another downside is that it is only available once a week, and be careful, as all selections need to be settled on Sunday at the latest. A £20 refund is good value, though, and makes the kwiff offer more than appealing.
| Pros |
|---|
| ✔️ Only four selections required |
| ✔️ £20 refund available |
| ✔️ Great for football bettors |
| Cons |
|---|
| ❌ Only available once a week |
What is acca insurance?
Acca insurance is a sports betting bonus that can be used with accumulator bets. In simple terms, it allows punters to receive their stake back if their acca losses by one selection. The refund is usually paid back as a free bet or bonus funds. It's one of the most popular sports betting promotions, alongside "best odds guaranteed" offers.
However, there are a few requirements players must complete to be eligible for an acca insurance bonus. These can include specific sports and competitions, a minimum number of selections, and minimum odds. Please note other restrictions may apply, depending on the bookmaker you’re betting at.
How to use acca insurance
Even though it may look complicated, acca insurance is actually very easy to use. Check my guide below for more information on how to get started with this sports betting bonus:
- Log into your online bookmaker’s account.
- Head over the sports betting section.
- Look through the events available and add your selections to your betting slip.
- Check if your acca has the minimum number of selections.
- Verify if the odds are compatible with the acca insurance bonus.
- Confirm your bet.
Now, it’s time to hope for the best. If things don’t go as planned, you’ll be able to claim a refund if you lose your acca by one selection. Sometimes acca insurance will be available to everyone, but others it might be part of a loyalty program, so make sure to comb through your bookie's site thoroughly to find all the conditions.
Find The Sun's betting publishing principles here
Q&A about acca insurance offers
Here are my answers to some of the most common questions that punters in UK have about acca insurance offers.
1. Why do bookies offer acca insurance?
Accumulator bets are extremely popular for their potentially high payouts. Unlike single bets, the odds for each selection in an acca are multiplied. The condition is that you must get all your selections right to win your bet.
Bookmakers in the UK know how tricky accas can be, which is why they offer punters the chance to receive a refund if their bets miss by one selection. Offering acca insurance is also a great way for bookies to stand out from their competitors and attract new punters, as well as cater to their existing customers.
2. How do bookies work out payments and refunds?
The good thing about acca insurance is that a punter’s eligibility is automatically calculated once their bet loses by one selection. If you follow all the criteria, including the number of selections and minimum odds, you’ll get your refund within the bookmaker’s time limit, which is usually 48 hours.
3. When does my bet qualify for a refund?
There are a few conditions punters must follow to qualify for acca insurance. Check out what you must do to qualify for a refund:
- Lose by one event – You can only qualify for acca insurance if you miss your bet by a single match.
- Minimum odds – You must bet over the minimum odds to be eligible for a refund.
- Minimum number of selections – You’re only eligible for a refund if you have at least the number of selections required by the bookie.
4. How do I claim a refund?
As I've previously mentioned, there isn’t much to do when it comes to claiming an acca insurance refund. Most of the time, the bookmaker will automatically evaluate the player’s eligibility and issue the refund.
However, it’s worth mentioning that this may not be the case for all sports betting sites. I recommend reading the terms and conditions before getting started with this bonus.
5. Can I place an acca on more than five selections?
Yes. All online football bookmakers in the UK allow you to place accumulator bets with over five selections. Please note the maximum amount of selections may vary depending on the bookmaker you choose.
6. What are the benefits of acca insurance?
The main advantage of acca bets is that they can improve your payouts compared to placing traditional single bets. This is because the odds are multiplied instead of summed, increasing their total value.
Acca betting is also beneficial because you can sometimes pair it with cash-out to potentially secure a profit or cut part of your losses. For instance, if you only have one match to go, you can benefit from the current odds to settle your bet earlier and still turn a profit.
What to look for when using acca insurance
Pay attention to these details before you get started with an acca insurance bonus:
- Check the minimum odds for each event - You can only claim acca insurance if you choose markets with odds over the minimum amount.
- Verify the minimum combined odds - The total combined odds of your bet ticket should be higher than the minimum amount set by the bookie.
- See what sports are eligible - Acca insurance isn’t compatible with all sports. You can check which sports are eligible through the promotional terms.
- Check the maximum refund - Acca insurance will usually refund your bets up to a certain amount. For instance, if you use a £10 acca insurance bonus but bet £20, you’ll only receive £10.
My top tips for making acca bets
Here are a few tips to help you make the most out of your acca bets, once you choose a safe betting site:
- Bet using acca insurance or system bets - Acca insurance is one of the best ways to enjoy these bets, as it can give you an additional chance if things don’t work out. Alternatively, you can try system betting, a type of combined bet that makes it possible to lose one or more selections.
- Avoid accas with many selections - The more events you add to an acca, the harder it is to get all your predictions correct. It’s best to stick to a lower number of selections.
- Check if your bets have value - Value betting is a strategy that requires calculating the odds and comparing them to what a bookie offers. If your odds are lower, it means the bet has value.
- Avoid high odds - Since an acca requires getting all your guesses right, it’s best to avoid placing bets with high odds, as your chances of losing the entire bet are higher.
- Use a bankroll management strategy - There isn’t a foolproof strategy for sports betting. However, using a bankroll management strategy can be extremely helpful, as you’ll know how much you should stake.
- Find The Sun's betting publishing principles here
Why I like using acca insurance
Depending on how often and how much you gamble, will depend on which of these acca insurance offers is best for you.
From my personal perspective, I gamble regularly so I’m not too bothered about the majority of the refunds coming in the form of free bets.
For my weekend English Premier League accas, I like to place a lot of teams in my bets, so the bookies offering bonus boosts are ideal.
While if I am betting on midweek fixtures, where there are fewer matches, then the Boylesports offer is ideal, as I only need to include three selections to qualify for the offer.
The 3+ offer will also be handy for Euro 2024, as there won’t be too many matches played every day throughout the competition. The bookies who offer daily refunds will also be ideal.
A lot of these offers could well change ahead of Euro 2024, so we could get some even better deals announced in the build-up to the competition.
Remember to gamble responsibly
A responsible gambler is someone who:
- Establishes time and monetary limits before playing
- Only gambles with money they can afford to lose
- Never chase their losses
- Doesn’t gamble if they’re upset, angry, or depressed
- Gamcare –
- Gamble Aware –
Find our detailed guide on responsible gambling practices here.
For help with a gambling problem, call the National Gambling Helpline on 0808 8020 133 or go to
