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.
Looking for accumulator bonuses - click here.
All Sports Acca insurance
William Hill best ever accas acca insurance is open to all sports and markets (except horse racing, greyhound racing and virtual markets) and starts with just 5+ selections.
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 30 days and unrestricted, stake not returned winnings in cash, open to all sports.
Customers can get up to £20 back each day, this must be one single straight accumulator, if one selection loses get your stake back as a free bet up to £20. Cash-in is not available, pre-match markets only.
This accumulator money back deal is open to 4+ selections, that is one less than the typical 5+. It applies to pre-match markets or 'same game multiple' bets on any sport. Minimum odds are also lower than comparable offers at 1/5+ each leg, refund is given as a free bet on stakes up to £10.
This is valid for one week to use on any markets. You can claim up to one free bet each day, these are awarded by midday the day following the bet settlement. Any bets cash out are excluded.
The offer excludes Enhanced Match Odds but other than that is one of the most open and applicable accumulator insurance deals around.
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.
Betfred's footy acca insurance deal is one of the longest running accumulator money back offers. It gives you a stake refund as a free token (valid 7 days, use on any sports) if your 5+ pre-match multiple is let down by one leg.
The maximum return is £10 and the minimum odds for each selection is 1/3+, it does not apply to Cashed Out or in-play bets. The insurance is open to the match result market for the following leagues:
English Premier League, Championship, League 1 & 2, National League, FA Cup, League Cup, EFL Trophy, Champions League, Europa League, Scottish Premiership, Scottish Championship, Scottish League 1 & 2, Scottish FA Cup, Scottish League Cup, Spanish La Liga, World Cup, European Championships, UEFA Nations League, International Friendlies, Germany Bundesliga, Italian Serie A, French Ligue 1, Dutch Eredivisie, Portuguese Super Liga, Coupe de France, Coupe de la Ligue, DFB Pokal, Coppa Italia and Copa Del Rey.
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).
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.
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.