Accumulator Insurance Calculator
Calculate the expected value of accumulator insurance offers. Get your stake back if one leg loses!
3 selection(s)
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2
3
Insurance Terms
How It Works
🛡️ What is Acca Insurance?
Accumulator (acca) insurance is a popular betting promotion where bookmakers refund your stake if exactly ONE selection loses in your accumulator. You typically get a free bet refund, though some bookmakers offer cash refunds.
Example: You place a 5-fold acca. 4 legs win but 1 loses. With acca insurance, you get your stake back as a free bet instead of losing everything.
📊 Why Use This Calculator?
- •Calculate true value: Know if the insurance makes your bet +EV
- •Optimize selections: Decide how many legs to include
- •Compare offers: See which bookmaker's insurance is most valuable
- •Risk management: Understand your expected return before betting
🎯 Common Insurance Terms
Bet365 Acca BonusVery Popular
3+ selections, cash back as free bet if 1 loses
SkyBet Acca InsuranceGood Terms
5+ selections, up to £50 free bet refund
Paddy Power Acca InsuranceWeekly Deals
Varies by sport, often 4+ selections
💡 Strategy Tips
- •Sweet spot: 3-5 selections often gives the best EV with insurance
- •Odds range: Aim for selections between 1.50-2.50 for balanced risk
- •Free bet value: Remember free bets are worth ~80% of cash value
- •Max refund: Always check the max refund amount in the T&Cs
- •Market restrictions: Some offers exclude certain markets or bet types
⚠️ Important Notes
- •If 2 or more selections lose, you get no refund (normal acca loss)
- •Free bet refunds usually expire within 7 days
- •Most offers require minimum odds per selection (e.g., 1.50+)
- •Check if void selections count as losses for insurance purposes