Paddy Power: Acca Insurance
- How Paddy Power Acca Insurance works at the new £50 refund cap
- How to lay each leg of a 5+ fold accumulator individually
- Why the bigger refund cap pushes this offer into reload-bookmark territory
Offer Summary
- Offer: Place a 5+ leg accumulator at combined odds of 3/1 (4.0) or greater. If exactly one leg lets you down, receive a free bet refund up to £50.
- Qualifying bet: 5+ leg accumulator, combined odds ≥ 4.0
- Free bet refund: Up to £50 (stake not returned)
- Trigger condition: Exactly one leg of the accumulator must lose
- Excluded sports: Horse racing and greyhound racing do not count
- Limit: One refund per customer per day
- Free bet type: Stake not returned (SNR)
What You'll Need
- ☑An existing Paddy Power account
- ☑A betting exchange account (e.g. Smarkets or Betfair)
- ☑£5–£10 for the accumulator stake
- ☑Sufficient exchange funds to lay all 5 legs individually
- ☑A matched betting calculator with accumulator support
- ☑Confidence with accumulator matching (see our Advanced Strategies guide)
Step-by-Step Walkthrough
Check the current offer terms
Go to the Paddy Power promotions section and find Acca Insurance. Current terms: 5+ legs, combined odds of 3/1 (4.0) or greater, refund up to £50 if exactly one leg loses. Horse and greyhound racing are excluded and there is a one-refund-per-customer-per-day cap. Terms shift periodically, so always verify before placing.
Choose your 5 accumulator legs
Select 5 events that are available on both Paddy Power and your exchange. Football match results are usually the easiest to find on exchanges. The combined odds across the full acca must reach 3/1 (4.0) or higher. Avoid horse and greyhound markets — those legs won't count toward the promotion. Try to choose events that settle on the same day so you know the result quickly.
Place your accumulator at Paddy Power
Add all 5 selections to a single accumulator bet slip at Paddy Power. For this example, we'll place a £5 5-fold. With 5 legs at approximately 1.60 each, the combined odds work out to around 10.5 — comfortably clear of the 4.0 minimum. Double-check that the bet qualifies for Acca Insurance and that the combined odds meet the threshold before confirming.
Lay all 5 legs individually at the exchange
This is the most complex part. You need to lay each of the 5 selections separately at your exchange. Use an acca-aware matched betting calculator to determine the correct lay stake for each leg. The lay stakes will differ per selection depending on the odds. Take your time and double-check each lay before confirming — an error on a single leg can wipe out the EV of the whole offer.
Wait for all legs to settle
Once all 5 events have finished, check the results. There are several possible outcomes:
- All 5 legs win: The acca wins at the bookmaker but your lay bets cover the loss. Small overall loss or break-even.
- Exactly 1 leg loses: The insurance kicks in. You receive a free bet refund up to £50 (capped at your stake). This is the ideal outcome and now materially valuable thanks to the higher cap.
- 2+ legs lose: No insurance. Your lay bets still cover you, so the overall loss is small.
Convert the free bet (if triggered)
If the insurance triggered (exactly one leg lost), use the free bet refund with the standard SNR back/lay process. Place the free bet at odds around 5.0–6.0 and lay at the exchange. A £5 free bet yields ~£3.50, but if you scaled the acca stake up to take advantage of the £50 cap, a maxed-out free bet yields ~£35 profit.
Worked Example
| Bet | Details | Result |
|---|---|---|
| 5-leg acca | £5 acca at combined odds ~10.5 (5 legs × ~1.60), lay all 5 legs individually at the exchange | -£1.20 qualifying loss |
| Insurance free bet (triggered) | £5 SNR free bet at 5.0 (Paddy Power), lay at 5.10 (exchange) | +~£3.60 profit |
| Optional: scale-up to £50 stake | £50 acca at the same combined odds — if triggered, full £50 free bet refund yields ~£36 profit; qualifying loss scales to ~£12 | +~£24 net (when triggered) |
| Typical profit (£5 stake, triggered) | ~£2.50–£6.00 profit |
The profit varies depending on stake size and whether the insurance triggers. With the cap raised to £50, this is one of the most valuable acca-insurance offers on the market — a triggered max-stake placement is roughly six times more valuable than the old £10-cap version. Over time, the insurance will trigger on enough attempts to make this a consistently profitable reload, especially when you can stomach higher one-off variance from larger stakes.
Build your confidence first
This is one of the harder reload offers to complete. Only attempt it once you're confident with accumulator matching and you understand how combined odds work. Start with simpler reload offers like the Sky Bet Club or Betfair Free Bet Club. Once those feel routine, move on to acca insurance offers. The extra complexity is rewarded with higher potential profit.
Acca insurance is an advanced technique
Each leg of the accumulator needs its own separate lay bet at the exchange, and you need to understand how combined odds affect the overall position. A mistake on any single leg can result in a significant loss — and with the £50 cap, scaled-up versions of this offer carry meaningful exchange liability. Note also that horse racing and greyhound legs do not qualify, and you can only claim one refund per day. Make sure you're comfortable with the maths before risking real money. Read our Advanced Strategies guide first for a full explanation of accumulator matching techniques.
Key takeaways
- Paddy Power Acca Insurance now requires 5+ legs at combined odds of 3/1 (4.0)+
- Refund is up to £50 (was £10) — a big upgrade making this one of the more valuable reload offers
- Excludes horse and greyhound racing; one refund per customer per day
- Typical £5 stake yields ~£2.50–£6 when triggered; scaling toward the £50 cap unlocks materially higher EV
- You must lay all 5 legs individually at the exchange — accuracy matters
- This is an advanced offer — master simpler offers before attempting it
Related guides
- Paddy Power sign-up offer — get your account set up before you start the reload.
- Bet365 Acca Insurance — run an equivalent offer at a second bookmaker.
- Bet365 Euro Soccer Bonus — another acca-based recurring offer to stack.
- Acca insurance matched betting explained — deep-dive on leg sizing and expected value.