Paddy Power: Acca Insurance
- How Paddy Power Acca Insurance works at the current £10 refund cap
- How to lay each leg of a 4+ fold accumulator individually
- Why £10 is the optimal stake, and why this is a small-but-repeatable reload rather than a big earner
Offer Summary
- Offer: Place a 4+ fold accumulator with each selection at min odds 1/5 (1.20). If exactly one leg lets you down, receive a free bet refund up to £10.
- Qualifying bet: 4+ fold accumulator, each leg ≥ 1.20 (Bet Builders and Same Game Multis qualify on some variants)
- Optimal stake: £10 — the refund is capped at both £10 and your stake
- Free bet refund: Up to £10 (stake not returned), valid 7 days
- Trigger condition: Exactly one leg of the accumulator must lose
- Excluded: Horse racing, Enhanced Match Odds and Power Prices; some variants are Win-Draw-Win football only (UK and top European leagues)
- Limit: One refund per customer per day
- Promo code: May be required — ALLSPORTSACCA, ACCAINSURANCE or SGMSINSURANCE depending on the live variant
What You'll Need
- ☑An existing Paddy Power account
- ☑A betting exchange account (e.g. Smarkets or Betfair)
- ☑£10 for the accumulator stake (the optimal amount)
- ☑Sufficient exchange funds to lay all 4 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 and opt in
Go to the Paddy Power promotions section and find Acca Insurance. Depending on which variant is running you may need a promo code — ALLSPORTSACCA, ACCAINSURANCE or SGMSINSURANCE. Current terms: 4+ folds, each selection at min odds 1/5 (1.20), refund up to £10 if exactly one leg loses. Horse racing and Enhanced Match Odds / Power Prices are excluded, some variants are Win-Draw-Win football only, and there is a one-refund-per-customer-per-day cap. Terms shift regularly, so always verify before placing.
Stake £10 — no more, no less
The refund is capped at £10 and is also capped at your acca stake. That makes £10 the sweet spot: stake less and you can't reach the cap, stake more and you simply take a bigger qualifying loss on the legs for exactly the same £10 refund. This is the single biggest change from the old £50-cap version of the offer, where scaling up made sense.
Choose your 4 accumulator legs
Select 4 events that are available on both Paddy Power and your exchange, each priced at 1.20 or higher. Football match results are usually the easiest to find on exchanges. Avoid horse racing and any Enhanced Match Odds or Power Prices selections — those don't qualify. Try to choose events that settle on the same day so you know the result quickly.
Note there is no combined-odds threshold on the current terms, just the 1.20 minimum per leg — so you can use shorter-priced, more predictable selections than the old version allowed.
Place your accumulator at Paddy Power
Add all 4 selections to a single accumulator bet slip at Paddy Power. For this example, we'll place a £10 4-fold. With 4 legs at approximately 1.60 each, the combined odds work out to around 6.5. Double-check that the bet qualifies for Acca Insurance before confirming.
Lay all 4 legs individually at the exchange
This is the most complex part. You need to lay each of the 4 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 4 events have finished, check the results. There are several possible outcomes:
- All 4 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 £10 free bet. This is the outcome you're playing for.
- 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 £10 free bet with the standard SNR back/lay process. Place the free bet at odds around 5.0–6.0 and lay at the exchange, retaining roughly £7. The free bet expires 7 days after it is credited, so don't sit on it.
Worked Example
| Bet | Details | Result |
|---|---|---|
| 4-fold acca | £10 acca at combined odds ~6.5 (4 legs × ~1.60), lay all 4 legs individually at the exchange | -£1.50 qualifying loss |
| Insurance free bet (triggered) | £10 SNR free bet at 5.0 (Paddy Power), lay at 5.10 (exchange) | +~£7.20 profit |
| If insurance doesn't trigger | All 4 legs win, or 2+ legs lose — lays cover the position either way | -£1.50 (the qualifying loss only) |
| Average per attempt | ~£4 profit |
At the current £10 cap this is a small but genuinely repeatable reload rather than a headline earner. You can claim one refund per day, so the value comes from running it regularly through the football season rather than from any single placement. The exactly-one-leg-loses condition means individual attempts swing between a small loss and ~£7, so judge it on the average across many placements — roughly £4 an attempt.
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.
With the £10 cap, keep the stake at £10 and the legs at the 4-fold minimum. There's no upside in adding legs or stake — both just add variance and qualifying loss for the same capped refund.
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 loss that dwarfs the £10 refund you're playing for. Note also that horse racing, Enhanced Match Odds and Power Prices legs do not qualify, some variants are football-only, 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 needs a 4+ fold with each selection at min odds 1/5 (1.20) — no combined-odds threshold
- The refund is capped at £10 per customer per day, and at your acca stake — so £10 is the optimal stake
- An older version of this offer had a £50 cap; it expired, so don't plan around it
- Excludes horse racing, Enhanced Match Odds and Power Prices; some variants are Win-Draw-Win football only
- A triggered £10 free bet retains ~£7; averaged across attempts the offer is worth roughly £4 a go
- You must lay all 4 legs individually at the exchange — accuracy matters more than ever at this cap
- Currently off Paddy Power's promotions page — expect it back for the 2026/27 Premier League season
Paddy Power offer FAQs
What are the qualifying terms for the Paddy Power Acca Insurance offer?
You need to place an accumulator with 4 or more folds, with each selection priced at minimum odds of 1/5 (1.20). Bet Builders and Same Game Multis qualify on some variants. Horse racing and Enhanced Match Odds / Power Prices selections do not count, and some versions of the promotion are restricted to Win-Draw-Win football markets in UK and top European leagues.
How much is the Paddy Power Acca Insurance refund?
The refund is capped at a £10 free bet per customer per day, and it is also capped at your acca stake. That makes £10 the optimal stake for this offer. Note that an older version of this promotion carried a £50 cap — that version expired and the current cap is £10.
Are the Paddy Power free bet refunds stake-not-returned (SNR)?
Yes. The insurance refund is paid as a stake-not-returned (SNR) free bet valid for 7 days, so the free bet stake is not included in any winnings. Placing the free bet at higher odds (around 5.0–6.0) returns a bigger share of the value to you — roughly £7 from a £10 token.
When does the Paddy Power Acca Insurance refund trigger?
The refund triggers only when exactly one leg of your accumulator loses. If all legs win, or if two or more legs lose, the insurance does not pay out. You can claim one refund per customer per day.
How much profit can I make from the Paddy Power Acca Insurance offer?
Around £4 per attempt on average at the optimal £10 stake. When the insurance triggers you extract roughly £7 from the £10 free bet, against a qualifying loss of about £1.50 on the acca legs. Because the refund only pays when exactly one leg loses, the return varies attempt to attempt — this is an expected-value play across many placements, not a guaranteed profit each time.
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 100% Acca Boost — another acca-based recurring offer to stack.
- Acca insurance matched betting explained — deep-dive on leg sizing and expected value.