Acca Insurance Calculator 2026
Calculate if accumulator insurance is worth the cost based on expected value
Insurance Settings
Accumulator Legs (4)
Quick Examples
Insurance Analysis
13.5
$135
Maximum insurance cost before it becomes -EV
Insurance Value Formulas
The mathematics behind acca insurance valuation
EV Without Insurance
If 10% chance to win $100: (0.10 × $100) - $10 = $0
EV With Insurance
Adds value from refund when exactly one leg loses
Break-even Cost
Maximum % to pay before insurance becomes -EV
One Leg Lose Probability
Sum of probabilities where exactly one leg fails
Understanding Acca Insurance
What is Acca Insurance?
A bookmaker promotion that refunds your stake (usually as a free bet) if exactly one leg of your accumulator loses. Reduces the all-or-nothing risk.
When is it Worth It?
Insurance adds value when the cost is less than the expected refund. More legs and higher odds increase insurance value.
Insurance Cost
Usually 5-15% of potential winnings. Compare to break-even to see if it's worth taking.
Refund Terms
Most refunds are free bets with restrictions. True value is typically 70-80% of free bet amount.
Insurance Value by Leg Count
How insurance value changes with accumulator size
| Legs | One Lose Prob | Break-even | Verdict |
|---|---|---|---|
| 3 | ~25% | ~3% | Low value |
| 4 | ~35% | ~5% | Moderate |
| 5 | ~40% | ~8% | Good value |
| 6 | ~42% | ~10% | Best value |
| 7+ | ~40% | ~9% | Decreasing |
Pro Tips
Optimal Leg Count
Insurance value peaks at 4-6 legs. Fewer legs means low refund probability. More legs means higher chance of losing 2+ selections.
Check Free Bet Terms
Most refunds are free bets worth 70-80% of face value. Factor this into your calculations for accurate EV.
Compare Bookmakers
Some bookmakers offer free insurance on 5+ legs. Shop around - free insurance is always +EV.
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Frequently Asked Questions
About Our Acca Insurance Calculator
Our professional acca insurance calculator helps you determine if accumulator insurance is worth the cost. By comparing expected value with and without insurance protection, you can make mathematically informed decisions about your parlay bets.
Accumulator insurance refunds your stake if exactly one leg loses, reducing the all-or-nothing risk. But is it worth the extra cost? This calculator shows you the break-even point and whether insurance adds or subtracts from your expected value.
Enter your accumulator legs with odds and win probabilities to see the true value of insurance. The calculator analyzes all scenarios to give you a clear recommendation based on mathematical expected value. Updated for 2026 with the latest insurance offerings.
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Evgeny Volkov
Verified ExpertOver 10 years developing software for the gaming industry. Advanced degree in Mathematics. Specializing in probability analysis, RNG algorithms, and mathematical gambling models.