Betting Reviews

What is Acca Insurance & How Does it Work?


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What is acca insurance?

Acca insurance is one of the most popular bonuses issued by betting sites in the UK. After all, accumulator bets themselves are massively popular with punters. Therefore, why not provide a bonus incentive on top of these wagers? That’s what most betting sites have started doing these days! But while this is all well and good, it’s still important for people to understand how this kind of bonus works. As you might have guessed from the description, these beauties provide you with a cashback incentive – hence the term ‘insurance’.

By nature, accumulator wagers require that multiple bets be placed into the same long bet slip. This is an incredibly risky form of betting, but punters are understandably enticed by the huge potential rewards. Since the odds get multiplied together with accumulators, this can lead to some pretty head-spinning numbers. The downside is that you need to get every result correct to gain any profit whatsoever. That’s where acca insurance incentives enter the picture.

More often than not, insurance is dished out if one leg of your accumulator lets you down. Say you placed a 9 leg accumulator and 8 of the results came in. if the remaining result didn’t pull through, you would get your stake back up to a predetermined maximum value. This can be anything from £5 to £20, depending on your chosen site.

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How to actually get acca insurance

Now we’re getting to the juicy part! How do you actually get acca insurance in the first place? Well, there is nothing magical about qualifying for these bonuses. They are usually offered through the main promotions page, which you can see anytime you like. Some sites will require that you opt-in for such bonuses, but this will be determined within the terms and conditions. Therefore, we recommend that you familiarize yourself with such terms before making any assumptions!

On top of this, some sites may have other terms that you need to meet in order for an incentive to be applied to your bet. For example, certain sites will have a minimum odd requirement for each leg of your accumulator. This could be 1.20, 1.50, or whatever the site decides! Certain acca insurance incentives will be tailored to specific sports too, such as football, tennis, basketball, and others. But regardless of the terms from each individual site, you still need to make sure that you satisfy them to qualify for the bonus.

What are the main sports for acca insurance?

We’ve touched upon certain sports above. But for clarity reasons, we’d like to highlight the more common sports for acca insurance and explain why this is the case right now:


For these bonuses to apply to tennis, you often need to wait until Grand Slam events are played. There are four Grand Slam tournaments each and every year. These are the most prestigious of all tennis tournaments, and they also include the most matches. Since Grand Slams are played for both male and female competitions, there can be hundreds of games for you to bet on. Of course, this is the perfect environment for people to make accumulator bets.


Unlike tennis, football has hundreds of matches taking place each and every week. And you don’t need to wait for big tournaments to come around! There is always professional football being played in the UK, across Europe, and in other parts of the world each week. Since football is an immensely popular sport for people to bet on anyway, betting sites will almost always tailor acca-style bonuses to this sport.

Horse racing

Horse racing is also a hugely popular sport in the UK. Many major races take place within the UK and Ireland, such as the Grand National, Gold Cup, and many others. But putting geographic location aside, horse racing betting is still bread and butter for online betting sites in the UK. It was one of the first professional sports offered at mainstream bookies, and it’s still adored by punters young and old.


In the world of basketball, it’s all about the NBA. Of course, this is the premium basketball league that is played in North America. And much like football, there are tons of games taking place each and every season. Since basketball games are played throughout the week, you are never short on options here. This creates the perfect environment yet again for people to make accumulator bets. And with this being the case, it then makes sense for bookies to provide acca insurance incentives.

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An example of how acca insurance works

Finally, we would like to run through a quick example of how an acca insurance bonus could work for you. We will be using football here since this is arguably the most popular sport for accumulators in the UK. Let’s say you want to make a 5-leg accumulator, and for simplicity, let’s say that the total odds for the bet are 10.00. That’s an average of 2.00 odds for each individual leg. And let’s assume that you bet £10 for this specific wager, which is below the maximum possible reimbursement. This would be shown in the terms and conditions of the offer.

In order for the acca insurance incentive to kick in, we will assume that 4 of the 5 legs came through on your ticket. Now, in line with the terms of such promotions, you are entitled to a refund. So once the bet has settled, a £10 refund will now be in the pipeline to be credited back to your account. Depending on the betting site, this £10 refund could be given as a cash refund or as a free bet. Of course, with the cash refund, you could then proceed to withdraw the money or bet it again, if desired.

But if the money is credited back as a free bet, you’ll need to wager it in accordance with the fresh terms. In a nutshell, that’s how an acca insurance bonus works at almost all betting sites in the UK!

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