Best Acca Insurance Offers in the UK – October 2026

By Andreas VouReading time: 10 minutes

Finding the best acca insurance offers in the UK can make accumulator bets more appealing, particularly when you need to get several selections right to make a profit. These promotions can offer some protection if one of the selections fails, helping punters to minimise the impact of an otherwise losing acca.

In October 2026, bookmakers continue to offer various Acca insurance schemes, including refunds, free bets and enhanced payouts. The terms and conditions can vary considerably, such as the number of selections required, maximum refund amounts and eligible markets.

In this guide, we compare the best acca insurance bookies available to UK punters this September.

18+. T&Cs apply. Gambling involves risk. Never bet more than you can afford to lose.

Rank Bookmaker Rating Bonus Get bonus
1
9.2/10
Deposit £10 and receive £30 free bets

18+ New customers only. Opt in, deposit & bet £10 (odds 2.00+) within 7 days of registration. Get £30 in Free Bets for selected markets, 7 days expiry. T&Cs apply. gambleaware.org | Please gamble responsibly

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2
8.1/10
Bet £10 & Get a £30 free bet

New Players Only. Min £10 qualifying bets, stake not returned. Free bet – one-time stake of £30, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £200. Valid for 7 Days from receipt. Limited to 1 sport & 5 casino brand/s within the network. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms apply.

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3
9/10
Bet £10 and get a £10 Free Bet

18+. New, First Depositing Players Only. Opt-in required. Min Deposit: £10. Wagering Requirement: 35x. Maximum Bonus: £100. Bonus to be used in specific games. Bonus valid for 21 days. Promotion available for 24 hours. Maximum winnings from bonus: £100. T&Cs apply. www.begambleaware.org

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4
8/10
100% welcome bonus up to £50
New players. Choose bonus at signup. Wager bonus 10x. Deposit used 1st. Any withdrawals void bonus. Valid 30 days. Odds, bet & payment limits. T&Cs apply. 18+. T&Cs.
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5
7.9/10
Bet £10 & get a £30 free bet

18+ | New Players Only. Min £10 qualifying bets stake not returned. Free bet – one-time stake of £30, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £200. Valid for 7 Days from issue. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms Apply| begambleaware

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6
8.3/10
Bet £10 & Get £50 free bet

New Players Only. Free bet – one-time stake of £50, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £200. Free bets and Bonuses are valid for 7 days. Limited to 1 sport & 5 casino brand/s within the network. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms Apply. 18+|#ad| Begambleraware

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7
8.6/10
Get a £20 free bet

New Players Only. Free bet – one-time stake of £20, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £200. Free bets and Bonuses are valid for 7 days. Limited to 1 sport & 5 casino brand/s within the network.Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms Apply.

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8
8.3/10
Bet £10 & get £10 in free bets
18+ | New UK Customers only excl. N.Ireland | Opt-in required | Min. deposit £10 | Min. £10 stake on eligible games | 20 Free Spins valued at £0.10 credited instantly | Valid for 7 days on selected games | Restrictions & T&Cs apply
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9
8.3/10
Deposit £10 and get £10 Free Bet

New Players Only. Min £25 qualifying bets, stake not returned. Free bet – one-time stake of £50, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £200. Free bets and Bonuses are valid for 7 days. Limited to 1 sport & 5 casino brand/s within the network Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms apply. 18+ | BeGambleAware | #Ad

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10
7.9/10
Bet £10 & Get a £30 Free Bet

New Players Only. Min £20 qualifying bets, stake not returned. Free bet – one-time stake of £40, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £200. Free bets and Bonuses are valid for 7 days. Limited to 1 sport & 5 casino brand/s within the network. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms Apply.

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11
8.5/10
Up to £30 in Bet credits

#ad / 18+. Bet £10 & Get £30 in Free Bets for new customers at bet365. Min deposit requirement. Free Bets are paid as Bet Credits and are available for use upon settlement of bets to value of qualifying deposit. Min odds, bet and payment method exclusions apply. Returns exclude Bet Credits stake. Time limits and T&Cs apply. Registration required. www.gambleaware.org

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12
9/10
£50 in Free bets when you bet £10

New customers only. Register, deposit with a Debit Card, and place a first bet of £10+ at Evens (2.0)+ on Sports, to be settled within 7 days, to get £30 in Sports Free Bets and £20 in Acca Free Bets within 24 hours of settlement. 7-day expiry. Eligibility & payment exclusions apply. Full T&Cs apply.

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13
7.2/10
Bet £10 Get £40 In Rewards

18+. New UK customers only. Min £10 deposit & £10 qualifying bet at min odds 2.00. Stake not returned. Rewards issued in free bets & fantasy tickets in 3 batches after settlement. Free bets non-withdrawable, winnings paid as cash. Free bets & fantasy tickets expire after 14 days. One offer per person. T&Cs apply. | BeGambleAware.org

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14
8.1/10
bet £10 get £30

18+ New customers only. Place a £10+ bet at min odds 1/1 (2.0) within 14 days of sign-up. Get £30 in Free Bets, valid for 7 days on selected bets only. Free stake not returned with winnings. T&Cs apply. BeGambleAware.org

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15
8.1/10
Bet £10 & Get £10 FreeBet

New players only | Deposit & wager at least £10 to get free spins | Offer must be activated before depositing | Free Spins winnings are cash | No max cash out | Eligibility is restricted for suspected abuse | Skrill deposits excluded | Free Spins value £0.10 per spin | Free Spins expire in 48 hours | Free bet offer: Minimum odds: 2.0 | Free bet value will be deducted from free bet winnings | T&C’s Apply

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16
8.3/10
Deposit £10 and Get £10 Free Bet

New Players Only. Free bet – one-time stake of £10, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £200. Free bets and Bonuses are valid for 7 days. Limited to 1 sport & 5 casino brand/s within the network. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms apply

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17
8.1/10
Bet £10 & Get £10 free bets
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18
7.8/10
Bet £20 & Get a £30 free bet

Wager from real balance first. 50X wager the bonus money within 30 days / 50x Wager any winnings from the free spins within 7 days. Contribution varies per game. Available on selected games only. Wager calculated on bonus bets only. Bonus offer and any winnings from the offer are valid for 30 days / Free spins and any winnings from the free spins are valid for 7 days from receipt. Max conversion: 3 times the bonus amount or from free spins: £20. Limited to 5 brands within the network. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms Apply.

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19
7.9/10
Cashback Up to £25 Free Bet

Get 50% of first day losses refunded as a free bet up to £25. To be credited within 24 hours. Max free bet per customer £/€25. Minimum of 3 bets of £/€10 or more on separate events at odds of evens (2.0) or bigger to qualify. Minimum first day losses of £10 to qualify. Full T&Cs apply.

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20
8/10
Acca Boost & Boosted Odds
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21
8.2/10
Bet £10 and get a £30 free bet

New Players Only. Min £10 qualifying bets, stake not returned. Free bet – one-time stake of £30, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £200. Free bets and bonuses are valid 7 days. Limited to 1 sport & 5 casino brand/s within the network. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms apply

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22
8.1/10
Bet £10 Get £20 Free Bet

New Players Only. Min €10 qualifying bets, stake not returned. Free bet – one-time stake of €20, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: €200. Free bets and Bonuses are valid for 7 days. Withdrawal requests void all active/pending bonuses. Full Terms apply. 18+, #AD, Begambleaware.

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23
8/10
Bet £10 & Get a £30 Free Bet

New Players Only. Min £/€/$10 qualifying bets, stake not returned. Free bet – one-time stake of £/€/$30, min odds 1.5, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £/€/$200. Valid for 7 Days from receipt. Limited to 1 sport & 5 casino brand/s within the network. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits Full Terms Apply. 18+ | Begambleaware.org | Play Responsibly. #AD

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24
7.7/10
Bet £10 get a £10 Free bet

18+ New UK Customers Only. Bet £10+ on any sportsbook markets at odds of evens (2.00) or greater. No cash out. Get 50% back of your first day’s losses (from first bet settlement until 23:59) as a Free Bet up to £25, valid for 7 days. Min. 3 bets on different events required, with 2 bets being at least 50% of your largest stake.

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25
5.6/10
Get 10% cashback on your Net losses, credited the very next day.

18+ / UK Only. Cashback offers are available to all registered players at All British Casino.. Cashback is calculated from the first completed deposit; all future deposits will be added to the counter and all future withdrawals will be deducted from the cashback total. Cashback is available for activation 24 hours after the first completed deposit, given that all deposits have been lost and there is no pending withdrawal. BeGambleAware / Full T&C’s Apply

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26
8.1/10
Get £30 in free bets

Min Dep. £10. 3x£10 free bets on eligible games and markets, winnings can be withdrawn. T&Cs apply

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27
7.9/10
Bet £20 and get £20 in Free Bets

New customers only. Place a min £20 cash bet at odds 2.00+ to qualify. Build-A-Bet / Bet Builder bets do not qualify. Max reward: one £10 In-Play Free Bet and one £10 Bet Builder Free Bet. In-Play Free Bet min odds 2.0 (1/1). Bet Builder Free Bet min odds 3.0 (2/1). Free Bets expire 7 days after credit. 18+. Full T&Cs apply.

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28
8.5/10
Bet £10 Get £30 in Free Bets

New members only. £10+ bet on sportsbook (ex. virtuals) at 1.5 min odds, settled within 14 days. Free Bets: accept in 7 days, valid 7 days on sportsbook only. 2x£5 Free Bets for Bet Builder only. Stake not returned. Full T&Cs apply. www.begambleaware.org #ad / 18+.

 

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29
7.6/10
Bet £20 Get a £40 Free bet

New Players Only. Min £20 qualifying bets, stake not returned. Free bet – one-time stake of £40, min odds 1.7, stake not returned. 1X wager the winnings. Wager from real balance first. Wager calculated on bonus bets only. Max conversion: £200. Valid for 7 Days from receipt. Min Deposit £20 required. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms apply

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30
8/10
Bet £10 Get £30 in Free Bets

*18+. Play Safe. From 00:01 on 18.10.2022. £30 bonus. New customers only. Minimum £10 stake on odds of 1/2 (1.5) or greater on sportsbook (excluding Virtual markets). Further terms apply.

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31
8.1/10
Bet £10 &Get a £10 free bet

New Players Only. Min £10 qualifying bets, stake not returned. Free bet – one-time stake of £10, min odds 1.5, stake not returned. 1X wager the winnings. Wager calculated on bonus bets only. Max conversion: £200. Free bets and Bonuses are valid for 7 days. Limited to 1 sport & 5 casino brands within the network. Withdrawal requests void all active/pending bonuses. Excluded Skrill and Neteller deposits. Full Terms apply.

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32
8.3/10
Bet £10 and get £30

£30 awarded as 3 sport-specific free bets (£10 each): Horse Racing · Football Acca · Basketball/Tennis ACCA. Free bets are non-withdrawable. Max payout £40 per free bet. Restrictions apply. 18+. BeGambleAware.org

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33
8.9/10
Best Odds Guaranteed
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34
8/10
Live streaming and Asian markets

18+. New customers only. Registration required. Valid on your first combo bet (minimum 3 selections, minimum odds of 1.40 per selection, minimum bet of £5). If you lose, you receive a 100% refund up to £30 as Free Bet. Free bet valid for 7 days. The Free Bet can be used on a combo bet with at least 3 selections, minimum odds of 1.40 per selection and maximum odd of 6.00, all sports, excluding horse racing and virtual sports. Gambling can be addictive. Terms & Conditions apply. Please play responsibly. BeGambleAware.org

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35
8.3/10
Bet of £10 & Get £20 in Free Bets and 25 Freespins
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36
8.5/10
Bet £10 and get £30
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37
8.6/10
Mr.Play Welcome Offer: Get a £10 Bet Token

New 18+ UK Customers only. This offer is for new customers only and is available once per household. Max. Bet token amount £10. Minimum Deposit and wagering on sport to activate the Bet token is £10. Void/cancelled or cashed out bets do not count towards wagering to activate the Bet token. [A further list of the types of play which are prohibited in this promotion is included in our Bonus Policy.] Offer valid only to customers making a first deposit of £10 or more and make a qualifying bet in accordance with the Bet token Specific Terms and Conditions.

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38
8.4/10
Deposit £20 or more and receive a 100% bonus up to £100 

GambleAware.org. 18+. Play Responsibly. New customers only. 100% Bonus up to £100. Min deposit £20. Wager 10x at min odds 1.7 within 30 days. Wagering only with bonus funds. Max transferable winnings after wagering: £1000. T&Cs Apply.

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39
8.1/10
Bet £10 & get a £10 free bet
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40
8.7/10
Bet £10 and get £50 in free bets

18+. Rep. of Ireland customers only. Opt in required. Min deposit & min stake €10 at odds of Evens(2.00) or greater. FB applied on settlement of 1st qualifying bet. €50 in free bets (FB) as 5x €10 free bets. FB must be placed at odds of Evens or greater(2.00), stake not included in winnings. FBs valid for 7 days, 1x sports welcome

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41
8/10
Bet $10 & get $10 in free bet

18+ | New customers only | UK & eligible countries | Min deposit £10 | Place £10 bet at odds 2.00+ to receive £10 Bet Token | Bet Token valid for 14 days | Min odds 1.80 required | Single bets only | Winnings from Bet Token are withdrawable with no wagering | Cashout bets excluded | One Bet Token per user | Full T&Cs apply | gambleaware.org

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42
8.5/10
Bet £10 & Get £20 FreeBet

New customer offer – place a minimum of £10 on our sportsbook and win or lose we will give you a FREE £20 BET. Your first bet must contain at least one selection with odds of evens (2.00) or greater. See website for full terms and conditions.

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43
8/10
50% back on first-day sportsbook net losses, up to £25

50% of 1st day sportsbook net losses paid as free bets, up to £25. Min 3 x £10+ bets on separate events. Bets must settle on first day betting. New customers only. | T&C’s Apply

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44
8.5/10
Bet £10 get £20

Promo code: LM10 | Play responsibly | www.begambleaware.org | first deposit only | £10 min deposit | qualifying bet: min £10, on any acca or bet builder (2+ selections) with min odds 6/4 (2.5) on selected sports | £10 free bet: 2+ leg acca or bet builder (2+ selections), min odds 6/4 (2.5) | 7-day expiry | T&Cs apply

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45
8.4/10
Bet $10 and get a $40 free bet
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46
7.4/10
BOG & Acca Insurance
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47
8/10
Boost & Extra Places

Extra Place Races
18+ | GambleAware.org | Available until further notice.
No opt-in required. 32Red may adjust place dividends; extra places may reduce with withdrawals. Full T&C apply

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48
7.8/10
Freebets
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49
8.3/10
Get a £20 Free Bet if your first bet loses

Available to verified UK customers only. Bet £20+ and get a £20 Free Bet if your first bet loses. T&Cs apply

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50
8.5/10
Get your stake back up to £30 if your first bet loses

Register an account and deposit £10+ using Visa/Mastercard. Get your stake back as a free bet, up to a maximum of £30, on your first qualifying acca to be settled as a loss. Qualifying accas each need to be a stake of £10+, 3+ legs, odds of 4/1 or greater and settled within your first 7 days. Each customer will be eligible for a maximum of 1 x free bet with this promotion.

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51
8.1/10
Welcome bonus for casino players
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52
8/10
10% cashback on losses over 3 months
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53
8/10
Bet £20 get £30
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54
8/10
£10 free bet bonus

Place five £10+ bets at odds of 2.0+ within seven days of registration to receive a £10 free bet. T&Cs Apply

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55
8.4/10
Double your profit on your first bet
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56
8.1/10
£10 free bet
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57
8/10
Place a £10 bet on sports and get £40 in free bets
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58
8/10
Matched bet up to £25
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59
8.2/10
£10 free bet for Exchange and Virtual Sports
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60
7.8/10
Bet £10 Get £30 + 25 Free Spins
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61
8.4/10
Bet £5 Get £20 Free Bets
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62
8.1/10
Bet £10 & get a £40 free bet
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63
8.2/10
Bet £40 weekly on horse racing and get up to £10 in free bets each week.
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64
8.1/10
£30 if your first Acca

New UK customers only. Min Stake: £5. Maximum Free Bet: £30. First bet on a Football, Horse Racing, Tennis, Cricket or Basketball multiple with 3+ selections. Overall odds: 3.00 (2/1) or higher. Free Bets available upon settlement of the qualifying bet. Earn a £30 Uber Eats Voucher on successful Acca qualification. Debit Card deposit only (exclusions apply). This offer is valid 7 days from the new account being registered. 18+. gambleaware.org. Bet the Responsible Way. Full Terms apply.

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65
7.8/10
£50 free bet builder bonus
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66
8/10
€60 in free bets when you bet €10
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67
8.4/10
Best Odds Guaranteed
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68
8.1/10
Up to £100 in free bets 
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69
8.3/10
Bet £10 & Get £10 Free bet
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70
8.2/10
50% Back of First Day Losses as a Free Bet up to £25

If your bets lose on your first day, BetGoodwin will refund 50% of your net losses as a free bet, up to £25. This promotion provides insurance for new customers, giving them another chance to play without extra risk.

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71
8/10
Get £25 worth of Free Bets and 10 free spins when you Bet £50

New customers only, aged 18+. Min deposit £10. Place a £50 bet on any sport at odds of Evens (2.0) or greater to qualify for three free bets on settlement: £10 on Football, £10 on Greyhounds and £5 on Virtual Sports, plus 10 Free Spins on Reel King. Free Bet & Spins expire in 7 days. Additional T&Cs apply. Please bet responsibly.

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72
8.2/10
BetUK Welcome Offer: £30 in Bonuses when you bet £10

New cust only, Deposit & Place a Bet within 7 days, and settle a £10 minimum bet at odds of 4/5 (1.8) or greater, to be credited with 3x £10 free bets: 1 x £10 Horse racing, 1 x £10 Free Bet Builder and 1 x £10 Football. 7 day expiry. Stake not returned. Opt-in required. 18+. T&C’s Apply.

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73
8.6/10
BetMGM Welcome Offer: Bet £10 Get £40 in Free Bets

New customers only. 7 days to place qualifying bet of £10+ at 1/1 (2.0) to receive 4 x £10 Free Bets: 1 x £10 Acca, 1 x £10 Horse Racing, 1 x £10 Football, 1 x £10 Bet Builder. 7 day expiry. Exclusions apply. Stake not returned. 18+. Full T&Cs apply.

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74
7.6/10
Bet £10 & Get £30 in Free bets

New online 888sport customers in the UK and Ireland, excluding re-registered customers. Valid from 15/01/2024. Min Deposit £/€10 with code 30FXS. Qualifying bet ‘real money’ stake of £/€10+, odds 1/2 (1.5)+. Free bet consists of 3x £/€10 horseracing, 1x £/€10 football, 1x £/€10 in-play, which will be credited upon qualifying bet settlement and must be used entirely before expiration in 7 days. No cashing out, each way bet, permutations or combining with ‘real money’ stakes. Payment restrictions apply. Full T&Cs apply.

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75
8.8/10
New users at Coral will receive a £20 Free bet when they bet at least £5.

18+ Eligible UK+IRE players. Paypal & some deposit & bet types excl. Min first £5 bet within 14 days of account reg at min odds ½ = 1 x £20 free bet. Free bet valid for 7 days, stake not returned. No cash-out, restrictions & T&Cs apply.

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76
7.6/10
SBK Welcome Offer: £40 in Free bets when you bet £10

New UK customers. Min £10 first deposit. Place a bet of £10 at min odds of 2.0 and get £40 in Free Bets. Free bets are credited upon settlement of qualifying bets. 18+. BeGambleAware.org. Full T&Cs apply.

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77
5.2/10
£100 extra winnings on your first bet with a 100% Profit Boost

New reg only. Claim by placing a min deposit £10 via ‘My Offers’ page within 30 days. 7 days to stake max £10 in-play, min odds 1/1 (2.0). Max. extra winnings £100. Once claimed, 30-day expiry. Cashed out, System & EW bets do not qualify. Other Promotional Play Restrictions Apply. T&Cs apply. 18+.

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78
8.8/10
Bet £50 Get £25 Free Bet

Place a £50 qualifying bet on sports and receive a £25 free bet. The free bet can be used on selected markets and provides extra value for higher-stakes customers.

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79
8.4/10
Bet £10 Get £20 in Free Bets

New customers deposit and place a £10 qualifying bet (single or accumulator) at minimum odds of 1/2 (1.50) and receive £20 in free bets as 4 × £5 tokens (1 each for Football, Racing, Tennis & any sport); free bets expire in 7 days.

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80
8.5/10
Smooth betting experience
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81
9.6/10
Bet £10 and get £20 in free bets

New UK customers (Excluding NI) only. Mobile Exclusive. £30 in FREE Bets (FB) as £20 in sports bets & a £10 casino bonus (CB). Min Deposit £10. Min stake £10. Min odds Evs. FB applied on 1st settlement of any qualifying bet. FB 7-day expiry. 1 FB offer per customer, household & IP address only. Account & Payment restrictions. 14 days to accept £10 CB, then active for 3 days. CB 5x wagering & max redeemable £100. Game restrictions apply. Cashed out/Free Bets won’t apply. 30 days to qualify. 18+. T&Cs apply.

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82
4/10
Bet £10 Get £50

Place a Single or Accumulator (2+ selections) bet with at least a £10 stake and 1.9 or greater odds. Please note that the qualifying bet must be settled within 7 days of sign-up. Otherwise, you will not be eligible for the BET 10 GET 50 offer. To unlock the offer complete your first deposit using your Instant bank payment. Full T&Cs Apply.

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Best Acca Insurance Offers in the UK

Best Acca Insurance Betting Sites – Updated October 2026

At this point, we have already selected the best betting sites offering Acca insurance. We have therefore provided the following comparison table to help you choose the option that best suits your preferences:

BookmakerBetvictorBetfred
Best forFootball fansAccumulator bets
Minimum selections5+5+
Minimum odds1/2 per selection1/2 per selection
Maximum refund£10£10
Refund typeFree betCash
Opt-in required YesYes
Eligible sportsFootballFootball and horse racing
Offer frequencyDailyDaily

Best Acca Insurance Bookmakers Reviewed

We compare acca insurance offers and look beyond the advertised refund amount. Here are our top sites offering acca insurance:

 

BetVictor

Betvictor UK Football pcBetvictor UK Football

BetVictor is one of the best acca insurance, especially if you’re a football fan. To activate it, you must select five or more selections, with minimum combined odds of 4/1, and you’ll receive a refund of up to £10 in free bets if any selection in your accumulator loses. You can include match winners, both teams to score, totals, etc.

But what events are available? You can bet on matches from the Premier League, Serie A, LaLiga, the Bundesliga and many more. That said, I’d recommend reading the terms and conditions before placing any bets.

Oh, and if you’d like to find out more about this bookmaker, you can take a look at our BetVictor sports betting review.

BetVictor Betting site
📋 Operator betvictor.com
🔢 Minimum selection5+
📈 Minimum odds per selection1/2
💰 Maximum stake refunded£10
💵 Cash refund or free betFree bet
🏟️ Eligible sports and marketsMatch winner, Both Teams to Score, total goals, etc
⚡ ActivationRequires activation
⏳ ExpiryIndefinite
🚫 Main exclusionsCashout and free bets from other promotions
Pluses
  • Applies to the main football leagues
  • Refunds can be up to £10 per day
  • No expiry date
  • You can activate it via the mobile app
Minuses
  • You cannot use the cash-out feature
  • No cash refunds

 

Betfred

Livestreaming at Betfred

Betfred’s Acca Flex is a current ‘acca insurance’ promotion that combines accumulator insurance with a bonus on winnings. Eligible customers can place a football accumulator with five or more selections, with minimum odds of 1/2 per selection. If one selection loses, Betfred will refund the qualifying stake in cash, up to a maximum of £10. The refund is credited within 24 hours of the final match being settled.

The current terms and conditions also state that customers can receive a maximum of one Acca Insurance and one Acca Bonus per day, based on the first qualifying bet.

For a more comprehensive analysis of the operator, see our Betfred review.

Betfred Betting site
📋 Operator www.betfred.com
🔢 Minimum selection5+
📈 Minimum odds per selection1/2
💰 Maximum stake refunded£10
💵 Cash refund or free betCash
🏟️ Eligible sports and marketsMatch winner, Both Teams to Score, correct score, total goals, etc
⚡ ActivationRequires activation
⏳ ExpiryIndefinite
🚫 Main exclusionsCashout
Pluses
  • The refund is paid in cash, rather than being offered as a free bet
  • The minimum of five selections is clearly defined
  • A minimum odds requirement of 1/2 per selection is set
  • The insurance can be combined with an Acca Bonus
Minuses
  • The promotion is limited to eligible football accumulators
  • Cash out is excluded

How We Review and Rank Bookmakers Offering Acca Insurance

We analyse betting sites free bets with Acca Insurance by reviewing all the terms and conditions: betting markets, activation requirements, how refunds work and expiry periods.

 

  • Minimum Selections and Qualifying Odds

    We check how many selections are required and whether each must meet a minimum odds threshold. Some promotions may require five or more selections, whilst others set different requirements.

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  • Maximum Refund and Return Type

    The refund limit determines the maximum amount a customer can receive if the qualifying accumulator loses. We also check whether the refund is paid out in cash, as a free bet, betting credit or another promotional reward.

  • Eligible Sports, Events and Markets

    We check which sports, competitions and markets are included in each promotion. There may be restrictions on certain leagues, bet types, Bet Builders, each-way bets, player markets or in-play selections.

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  • Opt-In and Activation Requirements

    Some promotions require the customer to activate the offer before placing the qualifying accumulator. We check whether activation is automatic or whether it requires clicking a button, entering a code or selecting a promotion.

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  • Offer Availability and Frequency

    Acca insurance offers may appear as a welcome promotion, a recurring weekly offer or a limited-time campaign. We record current availability rather than assuming that a promotion will remain active indefinitely.

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  • Free Bet Expiry and Usage Restrictions

    When refunds are paid out as free bets, we check how long they remain available, the minimum odds required, the eligible markets and whether the original stake of the free bet is returned along with the winnings.

  • Transparency of Terms

    We look for clear information on the qualifying bet, the minimum number of selections, the odds, the maximum stake, the refund limit, exclusions and settlement rules. UKGC regulations require that the relevant promotional terms and conditions be clear, visible and available throughout the promotion.

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  • Bookmaker Safety and Customer Support

    We investigate information on licences, account verification, customer support channels and safer gambling tools offered by the leading UK bookmakers. This is because licensed operators must comply with UKGC requirements.

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What Is Acca Insurance?

Acca Insurance is a promotional feature that may offer a refund or promotional credit when an eligible accumulator fails to win because one or more selections lose. Instead of simply receiving the usual outcome of a losing bet, the customer may receive a reward subject to the bookmaker’s terms and conditions.

Please note that the word ‘insurance’ should not be interpreted as a guarantee that the original stake will always be returned. The promotion only applies when all the set conditions are met.

How Does Acca Insurance Work?

You must place an accumulator bet with a specified number of selections. Each selection may need to meet a minimum odds requirement, and the accumulator may also need to achieve a specified total odds figure.

If the accumulator loses in a way covered by the promotion, the bookmaker may award a refund up to the advertised maximum. The reward may be provided as a free bet, betting credit or other promotional balance rather than cash.

Types of Acca Insurance Offers

Betting sites new customer offers Acca Insurance can be structured in different ways. The most common versions cover a losing selection, a specific sport or competition, a specific period of events or a minimum number of selections in the accumulator.

 

Stake Back if One Leg Loses

This format generally requires the qualifying accumulator to contain a specific number of selections. If an eligible selection loses whilst the other conditions are met, the bookmaker may refund the stake up to a set limit.

 

Sport-Specific Acca Insurance

Some promotions are limited to a single sport, such as football or horse racing. The bookmaker may also restrict the offer to certain competitions, markets or matches.

 

Event-Based and Seasonal Acca Insurance

Bookmakers may launch temporary promotions around major tournaments, busy weekends or specific sporting events. These offers usually have defined start and end dates.

 

Multi-Sport Acca Insurance

Some promotions allow you to combine selections from more than one sport within the same accumulator. However, certain sports or markets may still be excluded, so it is important to check the full terms and conditions of the promotion.

Acca Insurance for New and Existing Customers

Welcome promotions are usually designed to attract new customers and may only be available once. Acca Insurance for existing customers may take the form of a recurring, personalised or time-limited promotion. Neither format should be considered permanently available.

Acca Insurance Terms and Conditions

The advertised refund amount does not tell the whole story. We check the terms and conditions that determine whether an accumulator actually qualifies, including the number of selections, odds, stake, excluded markets and settlement rules.

ConditionWhat to checkWhy does it matter?
Minimum number of selections Selections required in the accumulatorDetermines whether the bet meets the requirements
Minimum odds Total and/or individual odds for the selectionsSelections with lower odds may be excluded
Maximum eligible stake Maximum stake eligible for insuranceAmounts exceeding the limit may not be fully protected
Reimbursement limit Maximum refund amountDetermines the highest possible promotional reward
Excluded markets Excluded markets, sports or bet typesAn accumulator that appears valid may not meet the conditions
Activation deadline Time by which the promotion must be activatedA bet placed before activation may not count
Settlement rules Requirements for winning, losing, void or postponed selectionsDetermines how the bookmaker handles unusual results
Expiry of the free bet Time available to use the refundAn unused reward may expire

What is 5+ Acca Insurance?

5+ acca insurance generally means that the accumulator must contain at least five qualifying selections. The bookmaker then applies its own rules regarding minimum odds, eligible sports, maximum stake, refund amount and the number of losing selections covered.

Football Acca Insurance

Football acca insurance is one of the most common sports for accumulator insurance promotions because UK bookmakers offer extensive coverage of matches and numerous markets. Promotions may include match result, goals, both teams to score (BTTS), handicaps, corners, cards and certain player markets, although some offers may exclude some of these.

Football promotions at the weekend are particularly common because domestic and European matches offer numerous selections that may meet the eligibility criteria. Major tournaments can also trigger temporary promotions for accumulators.

For a more comprehensive comparison of football coverage, markets and promotions, see our guide to football betting sites UK. BetBrothers’ football coverage also notes that accumulator features and promotional terms may vary between different bookmakers.

Other Sports Available for Acca Insurance

Football is not necessarily the only eligible sport. Depending on the promotion, bookmakers may extend Acca Insurance to horse racing, tennis, basketball, cricket or esports. Availability may change, so a sport should only be included when the bookmaker’s current promotion expressly allows it.

SportCommon selections in accumulators Common restrictions
🏇 Horse racingWinners, placings and selected race marketsSome races, odds and each-way rules may be restricted
🎾 TennisMatch winners, sets and certain player marketsWithdrawals, walkovers and minimum odds may be subject to specific rules
🏀 BasketballMatch winners, handicaps and totalsSome leagues or player markets may be excluded
🏏 CricketMatch winners, totals and certain player marketsCompetition and market restrictions may apply
🎮 EsportsMatch winners, maps and series marketsRestrictions may apply to certain competitions, markets and minimum odds

How to Claim an Acca Insurance Offer

  • Check the bookmaker’s promotions page and read the full terms and conditions.
  • Check whether the offer is aimed at new customers, existing customers or selected accounts.
  • Activate the offer before placing your qualifying accumulator.
  • Add the required number of eligible selections.
  • Check that the accumulator meets the minimum odds and maximum eligible stake.
  • Place the accumulator bet within the promotional period.
  • The bookmaker normally determines eligibility once the relevant selections have been settled.
  • If the conditions are met, the refund should be credited in accordance with the promotion rules.
  • If the refund is a free bet, check its expiry date and any restrictions on its use.

How Acca Insurance Refunds Are Paid

Refunds can be paid out in various ways. Some promotions use cash, whilst others offer free bets, betting credits or other promotional rewards specific to the bookmaker.

A refund in the form of a free bet usually comes with additional conditions, such as minimum odds and an expiry period. In many free bet schemes, the stake of the free bet itself is not returned when the resulting bet wins. The exact treatment depends on the terms and conditions of each bookmaker.

Does Cash Out Affect Acca Insurance?

Cash out may affect eligibility for an Acca Insurance promotion. Some bookmakers exclude bets to which a full or partial cash out has been applied, whilst others may set different rules for specific promotions. Modified bets, early settlement, voided selections or other changes may also affect eligibility.

Acca Insurance vs Acca Boosts

Feature Acca Insurance Acca Boost
Main purpose Provides protection against a losing accumulator that meets the criteriaIncreases the potential return on an accumulator that meets the criteria
Activation It is usually linked to a losing selection or a failed accumulatorIt is usually linked to a winning accumulator
Possible outcome Refund or promotional creditIncreased winnings
Main condition Minimum number of selections, odds and terms and conditionsNumber of selections, odds and entry rules
Risk protection Can reduce the impact of an eligible lossIt does not normally protect the original stake
Reward format Often a free bet or betting creditUsually an increased payout or promotional reward
Availability May be recurring or time-limitedMay be recurring or form part of a campaign

Benefits and Drawbacks of Acca Insurance

Pluses
  • It may offer a refund following an eligible loss
  • It can reduce the impact of a failed accumulator
  • May be available on popular sports
  • It may be useful for qualifying promotional bets
  • Terms and conditions can be checked before placing a bet
Minuses
  • The refund may not be paid in cash
  • Minimum selection and odds requirements may apply
  • Some markets and events may be excluded
  • Refunds may have short expiry periods
  • Cash Out or other changes to the bet may invalidate eligibility

How to Choose the Best Acca Insurance

When comparing offers, check:

  • The minimum number of eligible selections.
  • The minimum total and individual odds.
  • The maximum qualifying stake.
  • The maximum refund.
  • Whether the refund is in cash, a free bet or another type of credit.
  • Eligible sports and markets.
  • The activation requirements.
  • Whether the offer is available to new or existing customers.
  • How often the promotion is available.
  • The expiry dates for the refund and the free bets.
  • Restrictions relating to cash-out and early settlement.
  • Exclusions relating to payment methods.

Responsible Gambling and Accumulator Insurance

Insurance does not eliminate the inherent risk associated with accumulator bets. Combining more selections generally means that more conditions must be met for the original bet to be a winner.

A cashback promotion should not be used as a reason to increase stakes, add unnecessary selections or attempt to recoup losses. Operators licensed in the UK must provide information and tools to help customers manage their gambling activity, including measures such as limits and self-exclusion.

Responsible Gambling and Cash Out

Cash out is a tool for managing a bet, not a way to eliminate risk. A bet can result in a loss regardless of whether this feature is available. For this reason, we do not recommend using cash out to chase losses, justify new bets or increase the amount staked. We also consider it important to set limits and use self-exclusion if you feel that your gambling is getting out of control.

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FAQ. Frequently Asked Questions

  • What does acca insurance mean?

    Acca Insurance is a bookmaker’s promotion that may provide a refund or a promotional reward when an eligible accumulator loses.

  • Which UK bookmakers offer acca insurance?

    Availability changes frequently. We recommend checking the current offers on the bookmakers’ promotional pages.

  • What is 5+ acca insurance?

    A 5+ Acca Insurance offer generally requires an accumulator with at least five qualifying selections.

  • Do I need to opt in to an Acca Insurance offer?

    Not always. Some promotions require you to explicitly activate the offer before placing the qualifying accumulator.

  • What happens if two selections in my accumulator lose?

    It depends on the promotion. Some offers only cover one losing selection, whilst others may have different rules.

  • Is an Acca Insurance refund paid as cash or a free bet?

    Refunds may be paid out in cash, as free bets, betting credits or another promotional reward.

  • Can acca insurance be used on Bet Builders?

    Not necessarily. Some promotions allow Bet Builders, whilst others exclude them or subject them to separate terms and conditions.

  • Does cashing out a bet cancel acca insurance?

    You can do that. Some promotions exclude bets to which a full or partial cash-out has been applied, but there is no universal rule.

Author
Andreas Vou - Sports Journalist
Sports Journalist
British-born, Cypriot-raised football writer with a focus on LaLiga and the wider European game. He has worked as a correspondent for beIN Sports USA, contributed features and opinion pieces to multiple publications, and held editorial roles with FC Barcelona’s official website and MARCA’s English-language edition. Now Editor-in-Chief at BB Sport News, covering European and international football.
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