What is acca insurance? How it works & which bookmakers offer it

Acca insurance returns your stake if only one selection of your accumulator bet loses and the rest win. The stake is usually returned to you as a free bet instead of cash. 

This acca insurance betting guide covers how it works, what terms and conditions to look out for, and which UK bookies have the best acca promotions. 

What is acca insurance?

Let’s say you created a 5-leg acca from World Cup Group Stage matches:

• USA v Turkey – Away win
• Ecuador v Germany – Under 3.5 goals
• Colombia v Portugal – Away wins
• Panama v England – Over 2.5 cards 
• Norway v France – Team with the most corners taken France

You staked £10 on your acca, and all bets went in your favour, except for one: Portugal versus Colombia ended in a draw. Acca insurance would automatically return your £10 stake to you as a £10 free bet that you can use on another acca, or possibly another bet type.  

Note that in this scenario, your acca did not win, so there was no profit gained. If two or more legs of your acca had lost, you would not receive anything. And, of course, if all 5 of your legs had hit, then you wouldn’t need acca insurance, because your wager would have won. 

Acca insurance terms to check

Most bookmakers that offer acca insurance will include a long list of terms and conditions to be aware of. These often include: 

• A minimum number of selections (normally 4 or 5)
• Minimum odds per leg (such as 1/5 or 1/2) or combined min odds overall
• A limit on how much will be refunded for 1 leg losing (normally £10–£25)
• Your stake being returned as a free bet (not cash)
• Limit on how many accas will be insured per day (normally 1-2 per day)
• Eligible sports and markets 
• Free bet expiry (e.g. 7 days)
• Automatic acca insurance versus needing to opt in
• Actions or bets that void your acca insurance

Always read the terms and conditions of the acca insurance for the bookmaker you’re using it on. If opt-in is required, the terms and conditions of the offer will tell you how to do so. 

Which UK bookmakers offer the best acca insurance? 

After comparing UK bookies with acca insurance, we found the best eight and compared their terms and details in the table below. 

When looking for the best betting sites, it’s important to find ones that offer some form of acca insurance along with other valuable features like Best Odds Guaranteed, cash out and frequent price boosts.

Verified 8 July 2026. Always check current T&Cs. 

Best acca insurance for minimal selections 

If you prefer accas with just 3 legs, then Unibet is the best option for you. Your acca will be covered up to £10 if just one leg fails. 

Unibet

5 rating

Acca insurance on 3+ leg accas — stake back as a free bet if one leg lets you down

Sign up with Unibet

Terms & Conditions

Available to registered Unibet customers aged 18+. Acca Insurance applies to accumulators of 3 or more legs; select 'Insurance' in the betslip. If your acca loses by exactly one leg, your stake is refunded as a Free Bet (maximum refund as stated in Unibet's Rewards Centre). The Free Bet must have a minimum of 3 legs at minimum odds of 1/2 and expires after 30 days. Does not apply to Bet Builders. Standard Unibet T&Cs apply. Please gamble responsibly.

Terms and conditions apply

Best acca insurance for low-odds terms

Paddy Power and Ladbrokes both offer 3/1 overall odds for their acca insurance offers, and both require a minimum of 5 folds. The difference is per-leg odds: our Ladbrokes review requires each leg to be at least 1/10, whereas Paddy Power sets no minimum odds per selection, so you can stack short-priced favourites as long as your total is 3/1 or greater. That makes Paddy Power the better pick if you want to build an acca from low-odds selections.

Paddy Power

5 rating

Acca insurance on 5+ fold accas — stake back as a free bet if one leg lets you down

Sign up with Paddy Power

Terms & Conditions

Available to eligible Paddy Power customers aged 18+. Acca Insurance ("1 Leg Let Me Down") applies to pre-match accumulators of 5 or more selections at minimum total odds of 3/1. If exactly one leg lets you down, your stake is returned as a Free Bet, one per customer per day, credited on settlement. Maximum Free Bet and expiry as stated in Paddy Power's current promo terms. The live promotion may be limited to Win-Draw-Win football on UK and top European leagues, so check the current offer. Excludes horse and greyhound racing, enhanced match odds / Power Prices, in-play, free-bet-funded, permutation (e.g. Lucky 15) and retail bets. Additional T&Cs apply. Please gamble responsibly.

Terms and conditions apply

Best acca insurance for cash refunds

Our Betfred review found it to be the only bookmaker offering a cash return for your stake (rather than a free bet). Their Acca Flex combines an acca boost and acca insurance in one offer. It’s one of the best acca insurance offers for punters in the UK. 

Betfred

5 rating

Acca insurance on 5+ fold accas — stake back as a free bet if one leg lets you down

Sign up with Betfred

Terms & Conditions

Available to new and existing verified online Betfred customers aged 18+. Acca Flex applies to football accumulators of 5+ legs at minimum odds of 1/2 (1.5) per leg. If all legs win, receive a cash bonus of 5%–100% on your winnings (scaling with the number of legs; max bonus £35,000). If exactly one leg lets you down, your stake is returned in cash, minimum £0.50, maximum £10, credited within 24 hours of settlement. One winnings bonus and one stake-back insurance per day, first qualifying bet only. Excludes free-bet-funded, coupon, specials/boosted-price, cashed-out and permutation bets (e.g. Lucky 31). Additional T&Cs apply. Please gamble responsibly.

Terms and conditions apply

Acca insurance alternatives: Acca Edge and Acca Flex

Acca insurance guide: How to judge a good offer

There are a few key factors to consider when it comes to acca insurance offers. Here’s what to look out for when figuring out which ones are best: 

1. Higher maximum refund (e.g.£25 as opposed to £10)
2. Lower minimum selections (4+ instead of 5+)
3. Cash back instead of free bets (uncommon)
4. Lower minimum odds (overall or per fold) 
5. Automatic (no need to opt in)
6. Higher limit on how many accas per day (2-3 instead of just 1)

Acca insurance vs other accumulator offers

There are several other types of acca promotions that bookmakers offer these days. While acca insurance gives you your stake back if one leg of your acca misses, other acca-based promos work in different ways. 

Acca boosts

An acca boost is an offer that boosts the odds or profit from an acca. For example, by 20%, meaning your profits would be increased by 20% for a winning acca. 

Edit-acca

Edit-acca is a tool offered by some bookies that lets you make changes to an active accumulator bet. With edit-acca, sometimes called Edit My Acca, you can add, remove, or swap out legs before the acca is decided. The new leg gets the current odds as opposed to the odds it had when you first put together your acca. 

Cash-out

The cash-out feature lets you cash out your live bet and take whatever the bookmaker platform offers if you so choose. You can cash out an acca that is only partially settled, which can be very useful. 

How to check if acca insurance is applied

After your acca settles, you can confirm the refund in your account history. Most bookies flag insured accas on the bet slip when you place them and credit any free bet automatically once one leg loses. If you don’t see it, check whether opt-in was required or whether a leg was voided.

Is acca insurance worth it?

In short, acca insurance is a good promo that doesn’t cost you anything extra. If you’re the type of punter who likes a good acca now and then, accumulator insurance is a useful and consistent safety net. 

However, since the refund is usually a free bet, not cash. So, it’s not a full hedge for your bet. It also doesn’t help if 2 or more legs lose. Keep that in mind, but overall, it’s definitely worth opting in and taking advantage of acca insurance offers. 

Gamble responsibly

Acca insurance FAQs