Accumulators are a great way to increase your winnings. From a single £1 stake you can stand to win hundreds or even thousands of pounds depending on the number of selections you have. Each year someone hits the jackpot big time, early in 2015 a punter won over £70k from a 14 line football accumulator.
Accumulators are as old as the football coupon itself and can be placed on any sport with multiple matches or events that are independent of each other. Bookies have been offering accumulator offers for over half a century and you can pretty much find an accumulator offer with them all.
There is nothing more frustrating than placing an accumulator bet, all your teams are winning and then in the last minute a freak own goal goes and wrecks your perfect prediction. This is where acca insurance comes in. This insures you against one of your selections losing by refunding your money so that you can have another go.
Many acca insurance offers exist, in this article we explain the difference between acca offers, how to place an acca insurance bet and some common terms to look out for. Accumulator insurance is a great way to add value to your bets and push the odds more in your favour. If you bet on accumulators regularly you would be silly not to use these offers.
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All Sports Acca insurance
William Hill best ever accas acca insurance is open to all sports and most markets and starts with just 5+ selections.
For bigger sports such as football there are several markets to choose from (90 Minutes/Match Betting, Both Teams to score, Match Result and Both teams to score) but for all sports you can at least bet on the result or winner markets. Horse racing is also included for race winner and ante-post outrights.
Mix and match selections between sports as much as you wish as long as the minimum odds of each leg is above 1/5 (1.20). Get a stake refund up to £20 with no minimum qualifying amount. Refunds as a free bet token valid for 4 days and unrestricted.
Customers can get up to £20 back each day, this could be one acca or several, up to £20 total.
Best Football Accumulator insurance Offers
BetVictor invented acca insurance for football and so you would expect them to have a good offer, and they do. BetVictor have pretty much constantly run an accumulator money back deal for over a decade and so they have a good idea what their customers want.
Their footy multiple insurance is open to all 5+ selection bets containing wither match result or both teams to score markets, these can be mixed and matched. This includes pre-event and in play wagers.
If one lets you down get your money back up to £10 (no minimum). Although the refund amount isn't huge most acca stakes tend to be below £10 anyway and the real benefit here is you are paid out in bonus funds not a free bet. This means you can split your bonus up if you want to, it needs to be spent on any football 5-fold+ within 3 days, if your bonus bet wins you will also get the stake back which you do not with a free bet. There is no restriction on how many times the offer can be claimed.
Ladbrokes multiple money back for football is one of the most reliable offers of its type, around for years, available on all football leagues, this is a truly safe bet.
Get a refund on all 5+ football accumulators up to £20 with refunds as a free bet (valid for 4 days), the free token is unrestricted and can be wagered on any sports or markets. There is no minimum stake to qualify either with all refunds awarded by midday the day after your bet settles.
Pre-event match result markets count but not in play bets. Minimum odds of just 1/10 (1.10) for each leg and 3/1+ in total apply. A big selling point of this offer is you can claim it both online and in store and with Ladbrokes you can link your online account to their shops (see review for more).
888 Sport's acca insurance for 6+ multiples is open to horse racing and dog racing as well as football (match result / win bets only). Place a multiple containing selections from those sports with odds of at least 1/2+ for each leg. If one should fail to win you will get a refund as a free bet on stakes between £2 and £25. The token is rounded down to the nearest £1 (so if you stake £20.50 you would get a £20 free bet) and expires after 7 days but is otherwise unrestricted.
The deal also allows you to add in selections from other sports, these will not count towards the insurance but they don't stop you from getting it. For example if you places an 8-fold with four footy selections, two horse racing selections and two tennis selections then this will still qualify as you have at least 6 qualifying markets.
In addition to insurance 888 also have an Acca Attack deal that gives you a profit boost token from 5% up to 50% on winning 5-fold to 10-fold+ multiples. This is open to all sports but should you use it for footy or racing it means you could get both insurance and a bonus on the same bet.
This offer is available from both Winner and Titanbet. These are sister brands and this means they have the same offers. This is by no means a bad thing however as they have one of the best packaged accumulator offers for football that you will find anywhere.
On its own their acca insurance is hardly outstanding, refunds on losing 6+ accas where one leg lets you down (as an unrestricted free bet valid for 7 days, awarded within 1 hour) up to £25 (no minimum). This applies to result, BTTS and result+BTTS markets (mix and match) for all major football leagues and competitions (check terms for a full list). Each leg must have minimum odds of 1/2+, you can claim this an unlimited number of times.
The deal however is part of package and includes a bonus from 25% on 6-folds up to 50% on 10-fold+ multiples (paid in cash up to £5000), so if you bet does win you also get a freebie in addition to insurance if one selection loses.
It gets even better. Place 5 or more £5+ 4-fold+ accas in any given week and get a £5 free bet to use on any football. All freebet must be wagered at odds of evens+. It is important to note here that if you deposit by either Skrill, Neteller or PaySafe you will not be able to claim this offer.
US Sports Acca Insurance
There has yet to be a season of US Sports that 888 have not had an accumulator offer, they are one of the most reliable bookies for US sports promotions.
Place a 5+ selection multiple with picks from the MLB, MLS, NFL, NBA or NHL (mix up as you like). Bet at least £5 and should a single selection not win for you get a stake refund up to £25 as a free bet. Free bets are awarded within 72 hours in £5 units, therefore if you bet £11 for example you would only get a £10 refund, other than that the tokens are unrestricted and do not expire for one week.
Combined with other regular customer deals for US sports along with a big market range this is a good place to go for multiples on American sports.
Another double offer from Winner, this time for multiple bets on major US sports leagues Get acca insurance on any 5+ straight line accas placed with selections from the NFL, NBA, MLB, or NHL competitions. You can mix and match as much as you wish as long as each pick is 1/2+ odds.
Should one of your selections not win you will get a stake refund as a free bet up to £25 with no minimum stake amount to qualify. Valid 7 days and otherwise unrestricted.
If on the other hand all of your predictions do come true then you will also get a bonus in cash (up to £5000) on your winnings. From 5% on doubles tiered up to 50% on 12-fold+. If you therefore, for example, placed a 5-fold on US sports and one leg loses you will get a stake refund as a free bet, and should it win you would get a 15% cash bonus.
Golf Acca Insurance
You can tell from reading this page that Winner are the best betting sites overall for accumulator insurance. For golf get your money back (up to £25, no min) on all 4-fold+ 2/3 ball accas for all PGA and European tour events.
Each selection must have a minimum price of 1/5 (1.20) and the overall odds must be above evens to qualify. Free bets are again valid for 7 days and can be used on any bets with even odds or greater.
As with all other Winner acca deals you cannot use these if your deposit by Neteller or Skrill.
Other Accumulator Money Back Deals
We are giving a special mention to Betfair's novel and innovative acca insurance concept, available on all sports and markets. Instead of getting money back as a free token or bonus cash on stakes up to a limited amount this bookie will give you your stake back in cash unlimited if one lets you down in a treble or higher.
Simply make a multiple from any events with an 'edge' icon in exchange for stake insurance you will be given a lower odds price. You as the punter have to decide when you place the bet whether you want a higher price or a real cash stake insurance? Great Idea.
Common Acca Terms and Conditions
Always make sure you understand the terms with any betting offer. Bookies at the end of the day are out to make money and there is very rarely sentiment if you miss your offer by not reading the T&C's correctly. Here are some common terms to look out for, for more detail read our accumulator betting guide.
- Number of Legs – This is usually four or five selections to claim the offer. This is generally lower for both teams to score
- Minimum Odds – minimum odds if applicable tend to be low (3 or 4/1 usually), this is easy to achieve on an accumulator as long as you don’t pick all massive favourites. Some offers like 10Bet's require a certain number of selections to be above a certain odds threshold.
- Void Bets – If a match or selection is classified as void then usually this will mean it is excluded from the accumulator and therefore the offer. This is important if the offer is say for a 5+ accumulator and you only have 5 selections as this now means you would not get your insurance if any of the other 4 lost.
- Sports and Markets – Many money back offers are restricted to a given market, such as Premier League games, etc. Make sure you pick qualifying selections.
- Refund – Some refunds are given as free bets, others as cash and some as promo cash. Free bets must be used in one go, cash can be used however you like and promo cash cannot be withdrawn but can be split and wagered on multiple bets.