What is acca insurance?

Want to know all about acca insurance? You’re in the right place.

acca insurance


Acca insurance is an extra boost sports bettors get when they place a big accumulator. The idea is that you get a helping hand if one of your legs fails. But there’s more to it than that.

Paddy is here to explain in detail how acca insurance works, how to get it, and what you need to look out for.

What is acca insurance?

Acca insurance acts as a safety net if one leg of your accumulator loses. Players get their stake back as a free bet if this happens.

The insurance helps prevent frustrating situations where you’re moments away from winning a big payout, only for that last leg to lose.

Now, with acca insurance you don’t win your bet if one leg loses and the rest win. You only get your stake back as a free bet. It’s important to note this because sometimes bettors wrongly think they’ve still won a windfall even though one leg has lost.

acca insurance Paddy Power

How Paddy Power acca insurance works

Paddy Power acca insurance works by giving players a second chance if one leg of their accumulator fails to win. Acca insurance deals pop up in the sportsbook all the time, so it’s worth checking out our betting promos for the latest offers.

To trigger acca insurance all you need to do is place a five-fold or more accumulator at the minimum odds or above (3/1) on sports (not horse racing or greyhounds). If your acca loses by one leg, your insurance kicks in.

Some acca insurance deals may be different from others but here are the general rules to be aware of:

  • Your acca insurance only works on accumulators of five selections or more
  • The minimum odds for your 5 or more acca must be 3/1
  • Acca insurance applies to all markets except horse racing and greyhounds
  • Insurance cannot be applied to Enhanced Odds or Power Prices
  • Money is returned as a free bet, with one free bet per customer per day
  • The max free bet varies from £1 to £50

Learn more about free bets here and check out these acca and bet builder free bet offers.

Acca insurance example

Here’s an example of accumulator insurance in action. The most popular type of accumulator are football accas, so we’ve provided a five-fold on a number of international games.

acca insurance example

  • Qatar to beat Kenya at 19/20
  • Bahrain and Kuwait to draw at 23/10
  • Iran to beat Bulgaria at 5/6
  • Norway to beat Jordan at 1/4
  • Austria to beat Moldova at 1/10

A £5 stake generates potential returns of £81.11. You place the bet and all legs win apart from Iran, who draw with Bulgaria. So, you get your £5 stake back as a free bet.

If you want to work out whether an acca is worth it, use our accumulator bet calculator today!

Benefits of acca insurance

Some bettors will take or leave acca insurance and not be too bothered about whether it exists or not. However, most find it very useful. Here are some of the benefits acca insurance offers players:

  • Bet with confidence – You can wager knowing you have a safety net to fall back on if need
  • Push your luck – Many players use acca insurance as a means of creating a dead-cert accumulator in all but one leg. If the big-odds leg wins as well, you’re in for a windfall
  • Testing new sports – Acca insurance is a great way to test out new sports and insulate yourself better from mistakes and bad bets

Remember, not even the best acca insurance deal is as good as winning your accumulator. The insurance should be seen as a failsafe if you suffer a single-leg loss, and not a free stab at a ridiculous accumulator. Betting smart is the best way to get the most out of any sportsbook deal, and the acca insurance Paddy Power offers should be seen as a bonus rather than something to rely on.

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