Bet Insurance
Bet insurance is relatively new in the world of online betting, but it is becoming increasingly popular. The essence of sports betting insurance is the refunding of losing bets that came close to winning. Normally, certain conditions apply, such as a bet being lost in overtime of an NFL game. In this article, we’ll explore the concept of bet insurance more closely, as well as highlight some of the best bookmakers offering it. We’ll also look at some of the things you need to watch out for.
Updated on:
- January 30, 2026
Offer of the month
welcome bonus
Get up to
R3000.00
First Deposit
Bet Insurance
20€
- Get a €20 insured bet every Wednesday
- Use code NRW20 on your next deposit
- Free bet valid 3 days, odds 1.3–2.50
Place a qualifying bet on Wednesday with code NRW20. If it loses, N1.bet refunds you with a €20 free bet usable on any event, live or pre-match.
Bonus sport
150€
- Welcome Bonus 100% up to €150
- Welcome Bonus Crypto 100% up to 200 USDT
- Cashback 10% up to €500
Rabona's welcome offer is available to all newly registered customers who have made their first qualifying deposit.
Bonus sport
100€
- Welcome Bonus 100% up to €100
- Sports Welcome Freebet: €25 on Registration
- Weekend Sports Reload Bonus up to €100
21bets offers a new Sports Bonus: up to €100 Bonus for your bets and a €25 Freebet
Bonus sport
100€
- First Deposit Bonus 100% up to €100
- Weekly Reload Bonus 50% up to €500
- Accumulator Boost Up to 100%
Bassbet offers a new Sports Bonus: up to €100 on the First Deposit, Reload Bonus and Accumulator Boost
The Most Common Types of Bet Insurance
This is the most common type of bet insurance and usually sees your stake refunded if your accumulator loses by just one leg. This usually applies to parlay bets with at least four or five selections. Check the sportsbook’s terms and conditions for details as there is often a maximum qualifying stake. Sometimes, a bookmaker stipulates that any refund should be used on another accumulator.
Betfair offers a slightly different form of acca insurance called Acca Edge. Here, you accept slightly lower odds on your accumulator in return for getting a refund should only one leg lose.
Bet insurance is often found in horse racing, where you could get a refund if the horse you back to win finishes 2nd or 3rd in a race. This depends on the number of runners in a race and is a type of bet you must opt into.
Particularly popular in the US where sports like NFL Football and NHL Ice Hockey go into overtime. This is where you get your stake refunded if your team loses in overtime. It is common to have to opt in to this type of insurance too.
For high-scoring sports like NBA Basketball, you can get insurance if your team loses but scores a certain number of points in the process.
How To Claim Bet Insurance
Bet insurance, and particularly acca insurance, is usually applied automatically provided you meet the terms and conditions. To get started, all you need to do is follow these simple steps:
- Shop around for the sportsbook that has the best bet insurance offer for your needs. We have highlighted some top bookmakers above. Click on the link to go to their website.
- Register for an account by clicking the relevant button on the home page. Complete your personal details and ensure you adhere to any KYC requirements.
- Deposit funds into your account.
- Check out the sports betting markets and place your accumulator, ensuring the odds are within the sportsbook’s T&Cs. If it’s a horse racing or other market, opt in to bet insurance if prompted.
- Enter your stake and place your bet. The bet insurance should be applied automatically
Bet Insurance – What You Need To Know
There are quite a few terms and conditions to consider with bet insurance, particularly when it comes to insuring accas. This is what you need to consider:
Conclusion
The basic principle of bet insurance is to ensure your stake is refunded should your bet narrowly lose. The main motivator for bookmakers is that this encourages people to place more multi-leg accumulators, which they tend to like as there is a greater chance of a player losing. Despite this, bet insurance does allow you to put longer-odds outcomes into your acca with the knowledge that should only one lose, you’ll get your money back. The same is true with longer-odds horses in horse racing. As ever with sports betting offers though, check the terms and conditions thoroughly, particularly when it comes to minimum qualifying bets and maximum stakes.
FAQS
What is bet insurance?
Bet insurance is when a sportsbook refunds your stake if your bet narrowly loses. The most common is acca insurance, which kicks in if your accumulator loses by just one result.
How do I get bet insurance?
In most cases, particularly with acca insurance, bet insurance is added automatically. However, in some cases, you’ll need to opt in to the offer. Check out the sportsbook’s Promotions page for more details.
How can I tell if a sportsbook offers bet insurance?
The best place to check whether a sportsbook offers bet insurance is on the bookmaker’s Promotions page.