What is Acca Insurance? Acca Insurance Explained in 2 minutes
Jesse M. Cox Last Verified
19/04/2026
What Is Acca Insurance?
Acca insurance is a form of insurance taken out when the bet which has been placed is an accumulator acca. This is a bet made up of a number of separate legs, usually at least 5, all of which have to come in for the bet to be successful. The fact that the winnings of each part of the bet are then used as the stake for the next bet means that accas, while being more risky, can generate much higher winnings than individual bets. Acca insurance guarantees a pay-out if all legs of the bet except one win.
How is Acca Insurance Used in Sports Betting?
In most cases the pay-out for acca insurance will be set at a maximum of £25 or £50, and will come in the form of a free bet to be placed within a set time period. If two, three or four parts of the accumulator fail then nothing will be paid but, using acca insurance, if just one result doesn’t go as the bettor predicted, then a free bet of £25 or £50 will be paid out.
If a bet is placed on Arsenal, Manchester City, Newcastle, Stoke and Brighton winning over a specified period and they all win then the bet pays out. If Manchester City are held to a draw and Stoke lose then there is no pay out. If, on the other hand, Arsenal, Manchester City, Newcastle and Brighton win but Stoke give away a last minute equaliser then the bet won’t pay out but the acca insurance will
The details of Acca insurance will vary between bookmakers – some offer a set amount, others return the original stake. It is also vital to carefully check the terms and conditions attached to acca insurance. These might include minimum odds and there will almost certainly be a minimum number of legs and perhaps restrictions on the leagues in which the acca in question can be placed.
