Acca Insurance

Acca Insurance Explained

Acca insurance is one of the most popular types of promos available today. The acca is a common bet, and acca insurance ensures you get returns – even if your bets don’t come in.

When it comes to betting on football, the humble Accumulator bet (or Acca) has really stood the test of time for punters, a bet which provides a way to bet small to win big by combining all of your fancies into one ‘multiple’ bet.

With accumulative odds far bigger than you can achieve with single bets, accas have a huge appeal to football fans. One of the ways bookies like to reward punters for betting with them is by offering an ‘Acca Insurance’ concession. This usually means being able to qualify for a free bet to your acca stake, if just one of your teams lets you down.

What is Acca Insurance?

As mentioned above, acca insurance protects your accumulator. Essentially, you are not losing, even if one of your chosen teams does. The humble acca bet has stood the test of time when it comes to sports, and is one of the greatest betting offers in the market. This bet provides a way to bet small, but win big.

With a bet accumulator, the odds are far better than what you would expect from singles. They have massive appeal to fans as they offer substantial returns. However, the risks are higher, which is where acca insurance comes into play.

Acca insurance can vary with the different bookmakers. For example, most bookies return your stake as a free bet should one of your selections fold, but the amount can differ. Similarly, the number of losses available for acca insurance can massively vary between sites. Some may allow up to three teams to lose on a larger bet accumulator, while others may only allow one loss as part of their terms and conditions. You should always read up on the terms, so you are aware of the minimum stake and max odds etc. Luckily, we provide plenty of betting tips for football accumulators and the like.

Example Acca Insurance Bet

Most acca insurance bets are based on a minimum of five selections or more, so we’ll base our examples on this rule.

Bet 1

  • You put £25 on a five-fold accumulator bet: Chelsea, Arsenal, Newcastle, Leicester and Tottenham to win.
  • All teams win except for Newcastle.
  • You gain your stake back as a £25 free bet.
  • However, if more than one team loses or draws, you will lose your stake, and acca insurance will not be applied.


William Hill Acca Insurance

William Hill acca insurance will return your losing stakes as a William Hill free bet, where up to a £20/€20 maximum in free bets can be earned per day with William Hill’s “Acca Five Insurance.”

This handy offer can even be claimed by using a combination of stakes and different footy acca bets. For example, if you have 3 x £8 accumulators that qualify for Acca Five, you would receive £8 for the first two struck bets and £4 for the last one; totalling £20 in free bet tokens.

Make sure to read the other terms and conditions before placing your bets, but William Hill acca insurance is definitely one of the better promotions around of its kind.

For many years, William Hill have been self-regarded and seen by punters as the “Home of Betting”, truly one of the original and best UK bookmakers, so you are in very good hands.

William Hills’ high street presence will obviously make them very popular among football punters, but their PC website and mobile betting apps are also a fantastic and modern way to get your favourite football bets struck whilst on the move, or at home.

Ladbrokes Acca Insurance

Ladbrokes Betting Offer

With Ladbrokes “Five Team Acca Insurance”, you can place a football acca of 5+ selections and if one team lets your bet down, Ladbrokes will refund your losing stakes as free bet tokens.

This means that if any particular team or fancy doesn’t perform, your stakes are safe up to a total of £25 with Ladbrokes acca insurance. For example, if you put in a six-team football accumulator for the English Premier and five of them win, but one lets you down, Ladbrokes will return your losing stake (as a free bet).

Terms and conditions will apply so make sure you qualify for and understand the concession before playing, but essentially it is a very straightforward concession which rewards the loyalty and tough luck of football punters who almost hit a big win. It does sweeten the blow of narrowly missing out.

Ladbrokes are one of the largest high street bookmakers in the land and they have a vast selection of European and World football leagues and tournaments for you to choose from. From the Champions League and World Cup, to the lower leagues and regional cups, Ladbrokes has thousands of betting markets and live events for you to apply your football expertise and opinions to.

And remember that the Ladbrokes acca insurance promotion is available for both new and existing Ladbrokes customers.

Coral Acca Insurance

Coral football betting is huge and as one of the biggest and best-loved football bookmakers, they, of course, have a great Coral acca insurance promotion for football punters.

Coral acca insurance is very similar to other rival offers but every bit as effective in rewarding loyalty and giving punters some cool free bets. If you place a 5+ selection football accumulator and one of your picks lets you down – at any point in the bet – Coral will refund your losing stake as a free bet token, up to a total of £25.

It is worth noting however that Coral’s acca insurance only applies to the “Match Result” markets, which makes sense because the main ‘win-draw-win’ markets are by far the most popular for accumulators, before you get to First Scorer and Scorecast markets etc.

This Coral football offer is really straightforward and just offers a safety net for unlucky punters who fall one short of a winning acca bet.  As always, ensure you read the other T&C’s before placing your bets.

Paddy Power Acca Insurance

Paddy Power are a bookmaker renowned for their generous promotions and sense of humour to boot. The Paddy Power acca insurance offer is bigger and better than ever, promising to look after punters if a team lets them down.

Paddy Power acca insurance offers some of the highest returns among loads of competitors, and you can receive up to a £50 free bet in return for your stake. The max stake you can place for acca insurance cover is £50, and this deal only applies to five selections or more. Basically, if one leg lets you down, you’re not a loser but leave with a tidy free bet in return for your stake.

The Paddy Power acca insurance offer is available on all the top leagues, including the Premier League, Championship, Bundesliga, La Liga and Serie A. On top of that, Paddy Power has a dedicated ‘acca insurance coupon’, meaning you can see all eligible matches without spending hours looking for them. There’s a reason Paddy Power is one of the greatest betting sites for players.

Betfred Acca Insurance

Betfred are another decent betting site that offers acca insurance on 5+ fold accumulators. This is one of their best betting offers for punters, refunding your stake up to £10. While it’s not the most significant sum available, you can rest assured you are placing your bet accumulator with a solid site. Plus, the sheer number of markets at Betfred outranks most major names in the industry. .

The Betfred acca insurance offer applies to leagues including the Premier League, Championship, Europa League, Scottish League, as well as other major international leagues. The minimum odds per leg are 1/3 and, like the above offer, cash out is not available with Betfred acca insurance.

Like Paddy Power, you’ll get your stake refunded as a free bet with Betfred acca insurance. If one of your team lets you down, you no longer have to worry – just leave them out of your bet accumulator next time…

Betfred has long been associated with football betting, as well as tasty promos, and this is just one example of their offers for players.

How to Withdraw Funds

If your bet loses and you get your stake refunded, it’s generally as a free bet. You can then put the money on another bet, but you will have to do so within a specified period. Commonly, free bets cannot be withdrawn as cash (in the case of Betfred and Paddy Power), so you will have to play on. Make sure you always read the terms and conditions before laying any money on a team.


Have a look around on and you will be sure to come across some great sign-up offers and acca insurance promotions if you love a bet on the football.