Best Acca Insurance Offers for 2023 – Get Your Acca Losses Back! | The Sun
17th August 2023

ACCUMULATORS, also known as accas, are one of the most popular ways to bet on sports in the UK, especially football. British online bookies quickly came up with an exciting offer to make these bets more enjoyable – acca insurance.

But how does acca insurance work and what does it offer to punters? That’s what we’re here to teach you. Read our guide to discover the ins and outs of acca insurance bonuses. We’ll also provide in-depth information about the best online bookmakers in the UK where you can find this feature.

Best UK bookies with acca insurance

  1. Unibet
  2. kwiff
  3. Betway
  4. Grosvenor Casinos
  5. William Hill

What is acca insurance?

Acca insurance is a sports betting bonus that can be used with accumulator bets. In simple terms, it allows punters to receive their stake back if their acca losses by one selection. The refund is usually paid back as a free bet or bonus funds. It's one of the most popular sports betting promotions, alongside "best odds guaranteed" offers.

However, there are a few requirements players must complete to be eligible for an acca insurance bonus. These can include specific sports and competitions, a minimum number of selections, and minimum odds. Please note other restrictions may apply, depending on the bookmaker you’re betting at. 

How to use acca insurance

Even though it may look complicated, acca insurance is actually very easy to use. Check our guide below for more information on how to get started with this sports betting bonus:

  1. Log into your online bookmaker’s account.
  2. Head over the sports betting section.
  3. Look through the events available and add your selections to your betting slip. 
  4. Check if your acca has the minimum number of selections.
  5. Verify if the odds are compatible with the acca insurance bonus.
  6. Confirm your bet.

Now, it’s time to hope for the best. If things don’t go as planned, you’ll be able to claim a refund if you lose your acca by one selection. Sometimes acca insurance will be available to everyone, but others it might be part of a loyalty program, so make sure to comb through your bookie's site thoroughly to find all the conditions. 

Which bookies have acca insurance?

Acca insurance is a fairly common bonus for online bookmakers in the UK. Even though you won’t have trouble finding a bookie with this offer, it’s important to stick to reputable betting sites. 

The bookmakers featured below were extensively tested to ensure you have access to the best acca insurance offers. Check out our recommendations and choose your favourite.

1. Unibet

Unibet sign up

Up to £40 money back on first loss + £10 casino bonus

New customers only. 18+ Min deposit £10. Money back as bonus. Wagering requirements: Sportsbook 3x at min. odds of 1.40 (2/5), Casino 50x. Only one bonus can be used at a time, Sportsbook bonus must be wagered before using the Casino, unless the bonus has been forfeited. Bonus will expire after 7 days of opt-in. Full T&Cs apply.


Unibet is a reputable bookmaker founded in 1997. Besides its reputation, Unibet is also known for its outstanding sports section and wide variety of betting markets. Most importantly, you can find acca insurance here – place a £10 4+ team football accumulator bet, and you will get money back as a £10 free bet if one of your contenders lets you down.

2. kwiff

kwiff sign up

Bet £10 get £20

18+. New customers only. Minimum deposit £10. Only original odds count toward the promotion. An accumulation of smaller stakes will not count. Cashed-out bets do not count. Potential winnings from the Surprise Bet are paid in withdrawable cash, excluding the stake. Full T&Cs apply.


kwiff’s motto is “supercharged sports betting”, and for good reason. It has a special bonus that has a chance of boosting every aspect of your bets – odds, profits, and cash out. You’ll also find an acca insurance bonus at this bookie – a.k.a., an acca shield.

To enjoy this offer, you’ll have to wager at least £5 on four or more selections with minimum odds of 1.50 per event and 5.0 per ticket. If your acca loses by one match, you’ll receive your bet back up to £20.

3. Betway

Betway sign up

£30 matched free bet if your first acca loses + 50 spins

*New UK customers only. Min Deposit: £5. Maximum Free Bet: £30. First bet on a Football or Horse Racing multiple with 3+ selections. Overall odds: 3.00 (2/1) or higher. Free Bets available upon settlement of the qualifying bet. This is offer is valid for 7 days from your new account being registered. 50 Bonus Spins credited on placement of qualifying Acca bet.50x bonus wagering applies as do weighting requirements, bonus Spins only available on selected games and expires 7 days after being awarded. Debit card deposits only (exclusions apply). 18+. Full terms apply.


Many punters choose to bet at Betway for its exciting promotions and wide variety of sports events, especially football and horse racing. And if you're looking for acca insurance, you're in luck – Betway's welcome offer gives you just that, with your first acca loss coming back to you as a £30 free bet. What's not to like?

4. Grosvenor Casinos

Grosvenor Casinos sign up

Double the odds!

New customers only. Min deposit £20. Max non-withdrawable bonus £30. Playable on selected games only. 30x wagering required. Expires within 30 days. Max win £2,000. T&C apply.


Grosvenor Casinos have an excellent reputation as both a casino venue and a sportsbook. On top of their generous welcome offer, these tried-and-true veterans of the industry also offer acca insurance to their patrons,where you'll get £10 as a free bet if one leg of your acca loses, so long as you bet at least £10.

5. William Hill

William Hill sign up

Bet £10 get £30

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


William Hill is one of the world’s largest and oldest bookmakers, with a history spanning over 80 years. This betting site features a fun acca insurance bonus that requires you to wager on at least five selections with minimum odds of 1/5 (1.20) on each event. If you lose your acca by one event, you’ll receive a refund of up to £20 as a free bet.

Why do bookies offer acca insurance?

Accumulator bets are extremely popular for their potentially high payouts. Unlike single bets, the odds for each selection in an acca are multiplied. The condition is that you must get all your selections right to win your bet. 

Bookmakers in the UK know how tricky accas can be, which is why they offer punters the chance to receive a refund if their bets miss by one selection. Offering acca insurance is also a great way for bookies to stand out from their competitors and attract new punters, as well as cater to their existing customers.

How do bookies work out payments and refunds?

The good thing about acca insurance is that a punter’s eligibility is automatically calculated once their bet loses by one selection. If you follow all the criteria, including the number of selections and minimum odds, you’ll get your refund within the bookmaker’s time limit, which is usually 48 hours.

When does my bet qualify for a refund?

There are a few conditions punters must follow to qualify for acca insurance. Check out what you must do to qualify for a refund:

  • Lose by one event – You can only qualify for acca insurance if you miss your bet by a single match.
  • Minimum odds – You must bet over the minimum odds to be eligible for a refund.
  • Minimum number of selections – You’re only eligible for a refund if you have at least the number of selections required by the bookie.

How do I claim a refund?

As we previously mentioned, there isn’t much to do when it comes to claiming an acca insurance refund. Most of the time, the bookmaker will automatically evaluate the player’s eligibility and issue the refund. 

However, it’s worth mentioning that this may not be the case for all sports betting sites. We recommend reading the terms and conditions before getting started with this bonus.

Can I place an acca on more than five selections?

Yes. All online bookmakers in the UK allow you to place accumulator bets with over five selections. Please note the maximum amount of selections may vary depending on the bookmaker you choose.

What are the benefits of acca insurance?

The main advantage of acca bets is that they can improve your payouts compared to placing traditional single bets. This is because the odds are multiplied instead of summed, increasing their total value.

Acca betting is also beneficial because you can sometimes pair it with cash-out to potentially secure a profit or cut part of your losses. For instance, if you only have one match to go, you can benefit from the current odds to settle your bet earlier and still turn a profit.

What to look for when using acca insurance

Pay attention to these details before you get started with an acca insurance bonus:

1. Check the minimum odds for each event

You can only claim acca insurance if you choose markets with odds over the minimum amount.

2. Verify the minimum combined odds

The total combined odds of your bet ticket should be higher than the minimum amount set by the bookie.

3. See what sports are eligible

Acca insurance isn’t compatible with all sports. You can check which sports are eligible through the promotional terms.

4. Check the maximum refund

Acca insurance will usually refund your bets up to a certain amount. For instance, if you use a £10 acca insurance bonus but bet £20, you’ll only receive £10.

Place your first insured acca with Unibet.

Our top tips for making acca bets

Here are a few tips to help you make the most out of your acca bets, once you choose a safe betting site:

kwiff sign up

Bet £10 get £20

18+. New customers only. Minimum deposit £10. Only original odds count toward the promotion. An accumulation of smaller stakes will not count. Cashed-out bets do not count. Potential winnings from the Surprise Bet are paid in withdrawable cash, excluding the stake. Full T&Cs apply.


1. Bet using acca insurance or system bets

Acca insurance is one of the best ways to enjoy these bets, as it can give you an additional chance if things don’t work out. Alternatively, you can try system betting, a type of combined bet that makes it possible to lose one or more selections.

2. Avoid accas with many selections

The more events you add to an acca, the harder it is to get all your predictions correct. It’s best to stick to a lower number of selections.

3. Check if your bets have value

Value betting is a strategy that requires calculating the odds and comparing them to what a bookie offers. If your odds are lower, it means the bet has value. 

4. Avoid high odds

Since an acca requires getting all your guesses right, it’s best to avoid placing bets with high odds, as your chances of losing the entire bet are higher.

5. Use a bankroll management strategy

There isn’t a foolproof strategy for sports betting. However, using a bankroll management strategy can be extremely helpful, as you’ll know how much you should stake.

Remember to gamble responsibly

A responsible gambler is someone who:

  • Establishes time and monetary limits before playing
  • Only gambles with money they can afford to lose
  • Never chase their losses
  • Doesn’t gamble if they’re upset, angry, or depressed
  • Gamcare –
  • Gamble Aware –

For help with a gambling problem, call the National Gambling Helpline on 0808 8020 133 or go to to be excluded from all UK-regulated gambling websites.

Most read in Betting

All the best free bets & sign up offers for punters right here

Best football betting sites UK – Top UK football bookies, odds & offers

All the best UK casino welcome bonuses for new players revealed

Best betting apps with great sign up offers to use on sport this month

Source: Read Full Article