Acca Insurance Offers

Last updated: Oct 15, 2026

Acca insurance offers are promotions that provide bettors with refunds, usually equal to the amount of their original stake, on qualifying accumulator bets in which exactly one selection loses.

Among the acca insurance promotions we reviewed on 500+ bookies, the major characteristics of this offer are the following:

Maximum refunds up to €1,000
Qualifying odds even from 1.10
Eligible accas with 5+ legs...

Acca insurance offers are promotions that provide bettors with refunds, usually equal to the amount of their original stake, on qualifying accumulator bets in which exactly one selection loses.

Among the acca insurance promotions we reviewed on 500+ bookies, the major characteristics of this offer are the following:

Maximum refunds up to €1,000
Qualifying odds even from 1.10
Eligible accas with 5+ legs

After protecting more than 200 testing bets with acca insurance programs, the Bookmakers.bet experts come with answers regarding the market trends, benchmarks and red flags on this promotion type.

Panos Kotsimpos Jan 22, 2021

Sportsbet.io

Sportsbet.io offers an Acca Insurance-style promotion that rewards qualifying losing bets with free spins. Any single or multiple bet with odds of 1.50 or higher can qualify.

The reward depends on the bet amount:

50–199 USDT: 50 free spins worth 0.20 USDT each
200–499 USDT: 50 free spins worth 0.20 USDT each
500–999 USDT: 100 free spins worth 0.50 USDT each
1,000 USDT or more: 100 free spins worth 1 USDT each.

Winnings from the free spins are subject to a 5x wagering requirement. To qualify, bets must be placed on matches in the English Premier League, J1 League, or Turkish Süper Lig scheduled for a Friday, Saturday, or Sunday.

Sportsbet.io

Jack

Free bet refunds of up to 500% of the stake set the multiple insurance at Jack apart. The scale starts at 15% on four selections, jumps to 100% at six and reaches 500% on slips of 10 legs or more. Each leg needs odds of 1.40 or higher, and live selections count alongside pre-match ones. A $10 ten-fold missing by one leg returns a $50 free bet. The free bet goes on a slip of three selections or more, each priced at 1.50 or higher. System bets and bet builders don’t qualify.

Jack.com 18+ | Full T&Cs Apply

BetAndYou

A three-leg acca qualifies for the Acca Shield insurance at BETANDYOU, with odds of 1.40 or more on each selection. One losing leg returns a promo code worth 15% of the stake on three legs, 50% on five, 100% from 10 legs and 200% from 20. The code arrives within 24 hours of the last result, with a €50 maximum per refund. Slips need a €5 minimum stake and matches from eight top leagues, the Premier League and LaLiga among them. Handicap and totals markets stay outside the cover.

Betandyou 18+ | Full T&Cs Apply

BetRebels

Tennis and basketball accas get their own insurance at BetRebels. A straight 5-fold with odds of 1.55 or more on each selection qualifies, and one losing leg returns the full stake as a free bet. Stakes from €5 to €30 count, up to €30 back per bet. Five legs at 1.55 combine to odds of around 8.95. Only pre-match picks count, once per day. Players claim the refund by email with the bet’s confirmation code, and the free bet lands within 24 hours.

Betrebels 18+ | Full T&Cs Apply

What Is An Acca Insurance Offer?

An Acca Insurance promotion is a betting offer that provides you with a refund if exactly one selection in a qualifying accumulator bet (acca) loses while the other selections win. The refund amount, qualifying odds, number of selections, and eligible markets depend on the bookmaker’s promotion terms.

If the insurance prize is credited in the form of bonus money or a free bet, it may come with certain wagering requirements. Bonus money from this promotion type may carry a rollover from 1x to 10x, while free bet potential winnings may be subject to 1x-3x wagering.

How does Acca insurance work?

These promotions provide a refund, usually equal to the stake you placed, if exactly one selection in your acca loses while all the remaining selections win. The refund is credited automatically to your account, typically...

These promotions provide a refund, usually equal to the stake you placed, if exactly one selection in your acca loses while all the remaining selections win. The refund is credited automatically to your account, typically within two hours of the last event on your betslip ending.

If you haven’t received your refund after this period, you are recommended to contact the brand’s customer support team for assistance.

What does 5+ Acca insurance mean?

A 5+ Acca Insurance promotion requires bettors to place an accumulator bet containing at least five selections, so bettors can receive a refund in the case of only one miss.

On many platforms, these promotions offer higher...

A 5+ Acca Insurance promotion requires bettors to place an accumulator bet containing at least five selections, so bettors can receive a refund in the case of only one miss.

On many platforms, these promotions offer higher refunds as the number of selections increases. For example, a bookmaker may refund 7% of the potential winnings if one selection loses in a five-leg acca, 8% for a six-leg acca, and 9% for accumulators containing seven or more selections.

Do bookies refund Acca insurance in cash or free bets?

Bookies can credit acca insurance refunds in several forms, including free bets, bonus money, or real cash. Free bets let bettors place a wager without using their own funds, typically for an amount equal to the original...

Bookies can credit acca insurance refunds in several forms, including free bets, bonus money, or real cash. Free bets let bettors place a wager without using their own funds, typically for an amount equal to the original acca stake. If the free bet wins, only the winnings are paid out, as the free bet stake itself is not returned. Some free bets may also require further wagering of the winnings, usually between 1x and 3x.

Bonus funds generally come with wagering requirements that must be met before the money can be converted into withdrawable cash. These requirements typically range from 1x to 3x, depending on the bookmaker’s terms.

Real cash refunds are credited directly to the player's real-money balance and are generally available for withdrawal without wagering requirements.

Which football bets qualify for Acca insurance?

The qualifying markets for Acca Insurance promotions vary by bookmaker. Generally, popular football markets, such as 1X2, Over/Under 2.5 goals, and Both Teams to Score (BTTS), are eligible. However, long-shot selections and player prop markets are often excluded.

Since eligible markets differ between sportsbooks, it is highly recommended that you read the terms and conditions of each Acca Insurance promotion before placing a bet. This will help ensure that your selections meet the eligibility requirements and that your accumulator qualifies for the offer.

Are all the sports included in the Acca insurance promotions?

Eligibility for Acca Insurance promotions depends on the bookmaker’s terms. In previous years, these offers typically covered football matches only. However, many bookmakers now allow bettors to include selections from multiple sports in qualifying accumulator bets.

Some operators extend the promotion to all sports covered by their platform, without imposing sport-specific restrictions. Nevertheless, eligible sports and markets may vary between bookmakers, so it is important to check the promotion’s terms before placing a bet.

Insurance from 5 selections or fewer

To pass our tests, an acca insurance offer needs to include accumulator bets with a minimum of 5 or fewer selections. We strongly prefer promotions that include accas with 3+ legs, while anything above 5 is considered...

To pass our tests, an acca insurance offer needs to include accumulator bets with a minimum of 5 or fewer selections. We strongly prefer promotions that include accas with 3+ legs, while anything above 5 is considered restrictive for bettors.

A higher minimum threshold significantly increases the chances of missing more than 1 selection, making the insurance bonus useless.

Minimum odds of 1.80 or lower per selection

The minimum odds per selection is a very important factor in our evaluation of these promotions. We set 1.80 per selection as the market benchmark, while anything higher is very challenging for the players...

The minimum odds per selection is a very important factor in our evaluation of these promotions. We set 1.80 per selection as the market benchmark, while anything higher is very challenging for the players.

Instead, we encourage you to opt in for insurance offers that accept selections from lower odds, like 1.50, 1.30, and 1.10 in the best-case scenarios.

Maximum refund of €50 or more

Moving on to the maximum refund available, a good Acca Insurance promotion should offer a cap of at least €50. Lower limits provide less value to bettors, while promotions with higher refund caps of €100 or even...

Moving on to the maximum refund available, a good Acca Insurance promotion should offer a cap of at least €50. Lower limits provide less value to bettors, while promotions with higher refund caps of €100 or even €200 are generally more attractive.

Keep in mind that acca insurances may come as percentages of potential winnings, instead of a specified amount, usually the stake placed. In these cases, the maximum award limits may be significantly higher as they mainly depend on the selections and the odds included in the betslip.

Rollover of 3x or less for bonus money refunds

When an Acca Insurance refund is credited as bonus funds, it is important to consider the wagering requirements attached to the offer. For the Bookmaker.bet team, a rollover of up to 3x is acceptable, while higher requirements are considered increasingly difficult for players to meet before converting their bonus funds into withdrawable cash.

Bonus money with light terms, such as a 1x wagering requirement, is clearly preferable, as it allows players to unlock their funds with less additional wagering.

Stake-back free bets up to €50

Free bets are a common form of reward for Acca Insurance promotions. Operators compensate players for qualifying losing accumulators by awarding a free bet equivalent to the original stake or another...

Free bets are a common form of reward for Acca Insurance promotions. Operators compensate players for qualifying losing accumulators by awarding a free bet equivalent to the original stake or another specified amount. Players can then use the free bet to place another wager, receiving only the potential winnings if it wins, as the free bet stake itself is not returned.

Some promotions impose additional wagering requirements on free bet winnings, typically ranging from 1x to 3x. However, for the offers recommended in this guide, free bet winnings should be exempt from wagering requirements, allowing players to withdraw their winnings without having to place additional qualifying bets.

Bonus money or real cash up to €1,000

There are several bookies that provide their players with insurance awards in the form of bonus or real money. These awards can reach up to €1,000, usually matching the original stake placed by the...

There are several bookies that provide their players with insurance awards in the form of bonus or real money. These awards can reach up to €1,000, usually matching the original stake placed by the bettor, while on average the maximum limit is around €100.

While real cash is instantly available for cash out, bonus funds are subject to certain rollover requirements, ranging from 1x to 10x, depending on the operator.

Consolation payouts worth up to 10% of the potential winnings

Consolation payouts calculate the insurance reward in a different way. Instead of returning the stake, the bookie pays a percentage of the potential winnings from the legs that won.

We’ll give an example: a 10-fold acca with 9 winning selections, each priced at 1.60, where the payout equals 9% of the potential winnings from the 9 successful picks. A €10 stake on 9 legs at 1.60 builds potential winnings of around €680, and the consolation reaches roughly €60, six times the original stake.

Depending on the operator, the payout arrives as a free bet, bonus money, or real cash.

Void picks dropping the slip below the insurance minimum

Void selections usually don’t count towards the minimum number of picks required for an Acca Insurance promotion. For example, if an offer requires at least five selections, you...

Void selections usually don’t count towards the minimum number of picks required for an Acca Insurance promotion. For example, if an offer requires at least five selections, you’ve placed an acca bet with five legs, and one pick is voided, your accumulator will no longer qualify for the insurance reward.

A tip in these situations is to check whether you can cash out your accumulator before the first event starts, as most bookmakers may offer a cash-out amount equal to or very close to your original stake before the events begin. If you can recover your stake, you could consider placing a new accumulator with the minimum number of selections required to qualify for the insurance promotion.

Avoid adding extra legs only to reach the offer minimum

Adding extra selections just to qualify for an insurance promotion is rarely a good strategy. Each additional leg increases the probability of the accumulator losing, and the risk...

Adding extra selections just to qualify for an insurance promotion is rarely a good strategy. Each additional leg increases the probability of the accumulator losing, and the risk can outweigh the potential benefit of the refund.

Instead, focus on selections you would have included in your acca regardless of the promotion, and treat the insurance as an added benefit rather than a reason to increase your stake or add unnecessary picks.

Most losing accas miss by more than one leg

Acca Insurance promotions typically provide a refund only when exactly one selection loses and all the remaining picks win. However, you should keep in mind that statistically...

Acca Insurance promotions typically provide a refund only when exactly one selection loses and all the remaining picks win. However, you should keep in mind that statistically, accumulators fail on two or more selections, particularly when they contain many legs.

That means that acca insurance will likely not protect you in the majority of your bets. Again, the right mindset is to treat these offers as an additional benefit and not as a major tool in your betting strategy.

OUR VERDICT

Are Acca Insurance Offers By The Bookmakers.bet Approved Sites Worth?

Last updated: Oct 15, 2026

Opting in for promotions from our listed betting sites guarantees that you’ll receive insurance awards up to €1,000 in bonus/real money and €50 in free bets, with a minimum number of picks of 5 or lower and min odds per selection of 1.80 or lower.

Acca insurance awards may come with wagering requirements, which, in the case of free bet winnings, range from 1x to 3x, while in the case of bonus money, it ranges from 1x to 10x. We strongly recommend wager-free winnings generated from free bets and bonus money rollover max at 3x.

You need to watch out that a void selection may reduce the number of valid picks in your accumulator, potentially dropping it below the minimum required for Acca Insurance eligibility. That’s why it’s essential to read the bonus terms and conditions carefully before placing a bet. By choosing one of our listed offers, you can access clear and transparent terms, helping you understand the eligibility requirements and avoid unexpected restrictions or hidden terms.

Frequently Asked Questions

Does Acca insurance apply if two legs lose?

No. At the moment, bookies provide their players with a refund only if they lose exactly one selection from their eligible accumulator bet. There is no insurance promotion for more than one miss in your betslip for now.

Do Acca insurance offers need a promo code?

Not really. Most acca insurance promotions do not require an activation code. Instead, players can qualify automatically by placing an accumulator bet that meets the eligibility criteria or by ticking a checkbox to opt in to the offer.

Can I combine acca insurance with acca boost promotions?

While most bookmakers do not allow players to use both promotions simultaneously, some operators combine them into a single offer that provides the benefits of both. These promotions allow players to boost their potential winnings while also receiving a refund if exactly one selection in the accumulator loses, subject to the applicable terms and conditions.

Is acca insurance available on sports other than football?

Yes. Although bookmakers initially offered these promotions exclusively on football events, they have since expanded them to cover a wider range of sports, including basketball, tennis, and many others. Now, if an acca insurance is limited to football markets, it is considered highly restrictive for bettors.

How long do bookies take to credit an acca insurance refund?

The crediting time depends on the operator, but insurance rewards are generally credited to your account within two hours. If you have not received your free bet, bonus funds, or real cash after this period, contact the bookmaker’s customer support team to report the issue and request assistance.