How To Lock-In Profit on Bet Accumulator Insurance – 0 Loser Until The Last Leg Scenario

How To Lock-In Profit on Bet Accumulator Insurance – 0 Loser Until The Last Leg Scenario

Estimated Reading Time: 20 minutes

Are You the Punter Who Search Sports Betting or Bet Accumulator Strategy Online?

Do Betting Gurus Say “Don’t Bet Accumulator Because Too Risky"? No No, Absolutely Wrong,  Bet Accumulator Insurance is One Of The Most Lucrative Tools To Lock-In Profit If You Use Our Spreadsheet Calculator.

I’ll Demonstrate it by using William Hill Real Example. We use our customized Bet Accumulator Spreadsheet To Make Everything Easy!!

No More Gambling and Make Real Cash Seriously from Footy Acca Insurance Offers.

Advantage Play

We Don’t Count On Chance But Make the Best Use of Mathematical Advantage Over Bookmakers Derived From Their ACCA Insurance Offers. How? We Employ Matched Betting TechniqueMatched Betting Instructions , which is one of the so called Advantage Plays. We Have Many Customized Tools To Rake Cash Risk-Free or Lock-In Profit from ACCA Insurance Offers. As Long As You Follow Our Guides (All Are Free), Honestly Speaking, You Can Earn Well Over £5,000 during 2017 -18 Footy Season Only From ACCA Insurance Offers I list in the separate document (see at the bottom).

This is a part of my posts explaining How You Can Lock-In Profit on Bet Accumulator Insurance for All the Different Scenarios by Playing Around our lay Accumulator Spreadsheet based on the Real Bookmakers’ Offers.

In this post, I’m showing the case where you have all winners (no loser) until the last leg. Under this scenario, you can usually ensure the best profit, and you will find the tips to do so in my demonstration.

I’ll use William Hill ACCA Insurance as the real example.

Matched Betting – How it Works

Anybody who are familiar with the matched betting, please skip this section.

For those who are not familiar with the matched betting at all, firstly suggest take a look at Matched Betting For Dummies – 9 Essential Things You Should Know Before Staking Any Real Money;Matched Betting For Dummies - 9 Essential Things You Should Know Before Staking Any Real Money, where you will find every basic about the matched betting.

Here, I’ll briefly explain how it works by using William Hill Welcome Bonus. In fact, you can lock-in Profit at the time you open the account. William Hill offers to new players “Bet £10 Get £30 (3 x £10) Free Bets"William Hill Sign-Up Offer Bet 10 Get 30

What we do are;

  • 2 transactions of Back (bet on win) £10 on Team or Player A at William Hill & Lay (bet on NOT win) appropriate £ (stake can be calculated by free software) on the same Team or Player A at Betting Exchange like Betfair so that you cover all outcomes.
  • Regardless of the outcome, your losing & winning will cancel out each other. In the real practice, usually, 2 bets are not perfectly offset due to the odds difference & exchange commission. Therefore you make a small loss called Qualifying Loss.Free Matched Bet Starting Guide (2) – How To Sign-Up & Place Qualifying Bet
  • But now, you get £30 (£10 x 3) Free Bets. You repeat the exact same process but using the free bet for the back bet at William Hill. Then, this time free bet value (minus qualifying loss) will become your net profit.
  • You may be able to extract around £22-25 pure profit from this offer.
  • Success factor is how to minimize the qualifying loss by selecting the player whose odds gap (between William Hill & Betfair) is the narrowest. You can use Free Odds Matcher to locate such opportunities. For the detail step-by-step process, take a look at Free Matched Bet Starting Guide (2) – How To Sign-Up & Place Qualifying Bet. We use this William Hill sign-up bonus as an example in this instruction.

Betting Exchange

As you see in the above process, betting exchange is essential for matched betting. Therefore, it’s critical to adopt the right approach toward the betting exchanges from the beginning, which will affect your long-term profit. Suggest you take a look at Bet Exchange – How To Sign-Up & Lock-In Profit Wisely With Best OffersBet Exchange Feature Image, where you find the Smart Tactics on How To Use Which Bet Exchange in Which Occasion with spoon-fed like instructions.

We recommend SMarkets as a Core Betting Exchange for matched betting. Not Betfair, Why? Also show how important Matchbook is. Please go to the above document that explains the full rationale & comprehensive strategies to make the best use of all 4 key betting exchanges.

Anyhow, for those who have not opened SMarkets or not even a single bet exchange account, I prepared a step-by-step guide for your quick start. You can effortlessly extract cash from its sign-up bonus of £10 Risk-Free Bet. Actually, this is one of the easiest offers to lock-in profit in the industry. Please click “+" mark to open the instruction;

SMarkets Sign-Up Process with Screenshots

Please follow the below process, which takes less than 10 minutes to complete;

Update & Confirm T&C (Terms & Conditions)

  • Firstly, Go To SMarkets Front Page confirming the availability of £10 Risk Free Sign-Up Promotion

Bet Exchange SMarkets Offer Check

  • Read welcome bonus T&C. I know it’s a boring stuff but never try to save time by skipping it to avoid any unpleasant future surprise;
Bet Exchange SMarkets Bonus T&C
Click To Enlarge

Simple Sign-Up By Filling Information

  • After confirming the availability of the offer & reading the T&C,  click “Start Trading"

Bet Exchange SMarkets Signup Front Page

  • Fill-in the required information related to Account, Personal Information & Deposit;

Bet Exchange SMarkets Signup Account Page

A Few Key Points

  • For the deposit method, suggest use Visa Debit card if possible. Because depositing by Mastercard or credit card incur a 2.5% deposit fee, bank transfer takes a few days. Importantly, Skrill & Neteller deposits are not eligible for the £10 bonus.
  • Account Verification. You will receive the below e-mail to verify account. Suggest you do it as quickly as possible to prevent any future transaction delay;
    Bet Exchange SMarkets ID Verification
    Click To Enlarge
  • That’s it. You’re now ready to place lay bets to construct matched betting once you sign-up the bookmakers.
  • If you are not familiar with how to start matched betting, see how to place qualifying bet.

How To Extract Cash From The Offer?

As said, SMarkets signup offer is probably the easiest one. Because you don’t have to do anything. SMarkets will refund your first £10 loss. Yes, even you win thousands of £ before you lose £10, SMarkets will refund that first £10 loss. So, just keep doing the matched betting, and whenever you lose £10 for the first time in SMarkets, you will be refunded, and as you’re aware it’s your profit.

Some Good News

  • Very simple, isn’t it? SMarkets & all other bet exchanges I list in the betting exchange guide are fully licensed & regulated by UK gambling commission. And they all register in IBAS – Independent Betting Adjudication Service, thus you can let IBAS resolve when you face any problem with them.
  • Remember, any income from the matched betting are Tax Free in the UK / Ireland as long as it is not considered as your main source of income.

What’s William Hill ACCA Insurance?

Now we are going into Accumulator Insurance,

If You Need Basic Guidance;

Before moving into the subject, just in case you’re not familiar with Acca (Accumulator Bets) or Acca Insurance, Click + to open the information about them;

ACCA Basics
new to multiple bets, click to viewor, you understand, click to view
or, you understand Multiples & how to lay it to make matched betting, How To Lock In Profit From Multiples Offer / ACCA Insurance; Special Report by GEMACCA Insurance Bonus Extraction(This information is “Member Only", thus please register by just filling-in your name & email (that’s it) to get Password to access to the document. You can use the password for all the other Member Only pages. All of them are very valuable instructions. )


Let’s get down to the Offer. It claims “Place an accumulator of 5 or more selections on the listed sports and markets, and if just one of your selections loses, we’ll refund your stake as a free bet."William Hill ACCA Five InsuranceLooks it’s a typical ACCA Insurance though why is it better than other bookies’ ACCA Insurance? Mainly 3 points;

  • You can select the events from any sports category including horse racing, which makes your choices much easier than the other offers that usually restrict into 1 category such as Football, Tennis or NFL etc.
  • Although there is an odds restriction for each selection (at least 1.2<), it doesn’t apply to major football events which is probably the most popular ACCA market & you prefer to chose. Update: From 3 Aug ’17, minimum 1.2 odds applies to all sports events including the major footballs.
  • The maximum refund is up to £50 while many others up to £20 – 25. Update: From 3 Aug ’17, maximum refund is decreased to £20.

How I Bet & What Happened?

*Although William Hill’s Offer reduced its attractiveness, the concept & method explained below can perfectly work and be applicable to almost all ACCA Insurance offers as a general technique.

I placed £30 on ACCA Five with the below football match selections;William Hill ACCA Insurance Selection Table

Based on the basic tactics of matched betting I selected narrower (between William Hill & Exchange) & shorter (strong home favorite) odds as much as possible.

I use one of 3 types of our Bet Accumulator Insurance Spreadsheets. That is Lay Sequentially Spreadsheet to control my ACCA Lay Off and Profit/Loss shown by red arrow at the right end column in the below table.

William Hill ACCA Insurance Spread Sheet
Click The Image To Enlarge.

So at the starting point, I’m losing £3.47.  Ideally, the loss at the outset is less than 10% of the Stake. However it can be acceptable as long as below 15%. So in this case we should try to be less than £30 x 15% = £4.5, then £3.47 is not good but OK. As the very maximum, it should not be over 20% unless we have strong confidence that some of the matches’ lay odds are too high when you place Accumulator bet thus will be reduced in due course.

How The Bet Accumulator Insurance Spreadsheet Works

Just briefly, how we profit from ACCA Insurance with this method is by laying the selections off one by one (therefore it is called lay sequentially) for a small loss until we hit a loser. And then we hope that we just have the 1 loser to get the free bet. Remember you should keep laying until you hit the first loser. If you didn’t lay the 1st loser, you would lose not only your stake but also all the previous liabilities because you don’t receive the lay winnings from the 1st loser which cover all the cumulative liabilities. In other words, ACCA Insurance Spreadsheet is designed to cover all the cumulative liabilities at the time when you have a loser.

Therefore, I kept laying off the Stake Ideal suggested by the Spreadsheet based on the updated lay odds in the exchange (I used SMarkets).

Since all the favorites I selected are pretty strong and kept winning until the last leg. At this stage, thanks to the shortened lay odds of the first 3 selections, my loss decreased to (£1) as shown below; William Hill ACCA Spreadsheet Calculation

Now, I have 3 Possible Outcomes with following actions;
I. Standard Approach – I keep laying ideal stake off “Nice" at the last leg and if “Nice" don’t win I lose £1. but get a £30 free bet, of which cash value is around 80% of the free bet, thus £24. The net profit would be £24 – £1 = £23.
II. Standard Approach – Ditto, but if “Nice" win, I lose £1 although I win this ACCA.
III. Lock-In Profit – I set the Spreadsheet to generate Guaranteed Profit regardless of the result of “Nice" in the last leg.

Lock-In Profit Approach

Before making the final decision, let’s see how to set III. lock-In approach. All you need to do is to Activate Bonus Section by Turning It into YES as shown by red arrow in the below table. Then the sheet automatically calculates the final lay amount you should do at the last leg (red arrow) while giving you the lock in profit amount in the right end column (blue arrow). It shows £7.43 Profit if “Nice" win and £16.57 Loss if “Nice" lose but as you get the £24 cash value refund, means £24 – £16.57 = £7.43 Profit. So, no matter what the final leg’s result will be, you will have guaranteed £7.43 Profit.William Hill ACCA Insurance Lock-In Profit Calculation Table

Although “Nice" is at the top in the league table, given the 1.5 odds doesn’t make me comfortable to take a risk by applying to the standard approach of either £23 profit or £1 loss. It is a Home Favorite of the Top Team that fight with the league bottom team “Metz". Then the odds should be shorter than 1.3. But the market doesn’t see it like that. So, I decided to take Safe Approach of Lock-In Profit.

Final Result

What was the actual result? “Nice" could not beat “Metz" but ended up with Draw, means my last leg lost as shown in my William Hill account;William Hill ACCA Insurance Final Result Table

When you place “L" at the last leg (as red arrow points), the final result of the Profit / Loss are shown as below, the actual Lay odds I placed was bit reduced, therefore my final lock-in profit improved to £8.53 (blue arrow);William Hill ACCA Insurance Lock-In Profit Spreadsheet Final Result

The result supported Lock-In Profit Approach this time. However, as I keep saying, nothing is wrong to chose the standard approach. Because it’s still an Advantage Play, namely risking £1 to get £23 profit which is 23 effective odds (£23/£1) under the 66% Nice win probability. How to calculate? 1 / 1.51 odds x 100 = 66.2%. So really worth taking such risk. Even though you lose this time you will never lose but be profitable in the long-term as long as you keep doing such advantage play.

Tip To Improve Your Profit

1 point I have to tell is that, if the last leg’s odds is too short, your lock-in profit amount would be limited. I just enter some hypothetical back odds of 1.11 and lay odds of 1.12 then the result would be;

William Hill ACCA Insurance Calculator Last Leg Odds Change
Click The Image To Enlarge

On the other hand, longer odds would make your lock-in profit bigger though long odds’s fluctuation is, in comparison with short odd, big and the gap between lay odds & back odds tend to widen.  This is the most critical factor for your final profit, thus our basic principle of taking Narrow & Short odds still remains.

As a general guide, preferably chose the range of 1.3 – 1.7 for the last leg to maximize your lock-in profit while minimizing the risk of widening the odds gap. In other words, when your last leg’s odds is above 1.5, it’s worth while considering the lock-in approach.


Bottom-line, there is no right or wrong for the selection within the above 2 approaches, it fully depends on your Risk Tolerance, the key points here are;

  • I can’t stress more that we’re not doing gambling but implementing Advantage Play. Therefore it’s no way for us to lose money but be profitable average in long-term as long as you follow our methods & use Bet Accumulator Insurance Spreadsheet. Mathematical logic always supports you.
  • The lock-in Profit method under this scenario will give you bigger profit compared with the case of having early loser. Therefore whenever you have no loser until the last leg you should always keep this lock-in profit option in mind.

Earning Potential

I happen to bet £30 in the above example though. As explained, William Hill will refund up to £50 per bet. If I had bet £50, the result would have gone up to  £17.57 Lock-In Profit;William Hill ACCA Insurance Spreadsheet Alternative Stake

You can place the above ACCA Insurance bet every day in William Hill. If you place even only 20 bets a month and average profit is pessimistically estimated to be £10. Then you will get £200 solid extra income every month with just 10 minutes work per day.

You may want to take a look at my post of “How To Earn £5,000 Risk-Free from William Hill ACCA Insurance & Bet365";William Hill How To Lock-In Profit

This article gives you better insight on the possible earnings.

Acca Insurance List

All the big UK / Ireland Bookmakers including William Hill, Paddy Power, Ladbrokes, 188Bet, Betway, Titanbet, 21Bet, Sporting Bet, Betstar etc. offer you more or less the same ACCA Insurance. For the on-going Accumulator Bet Insurance, see 2017-18 List Of The Best ACCA Insurance Offers By Key Bookmakers;List Of Best ACCA Insurance Offers By Key BookmakersActually, you can take all their ACCA Insurance Offer. Then you will calculate how much you get guaranteed profit, easily over £1,000 every month.

Back A Winner Acca Offer

Incidentally, Acca Insurance is the insurance for losing bet. On the other hand, you can also find many Acca offers for winning bet, which are Enhanced Odds, Price Boost or Bonus. I include a few of these offers in the above Acca Insurance List, which will increase your earning potential. You can lock-in profits from these offers, please take a look at 3 Methods Of Laying Enhanced Accumulators & Acca Bonus To Lock-In ProfitEnhanced Accumulators, Featured Image

Additional Benefit

The another benefit of Accumulator Bet is that Bookmakers like the players who place ACCA Bets. Because it’s their cash cow. Therefore you can reduce the chance of being gubbed – meaning “account restriction" which bookmakers do to the smart punters. Consequently, you can keep profiting for long-term.

When it comes to the Accumulator Bet Insurance Guidance & Lay Spreadsheet Calculator, see the below sections;

Specific Instruction On ACCA Insurance Lay Sequentially Spreadsheet

Just in case you’re new to ACCA Insurance bet, go to How To Lock In Profit From Multiples Offer / ACCA Insurance;Special Report by GEMACCA Insurance Bonus Extraction(the above info is a protected page, so just fill-in your name & e-mail address to instantly obtain password which can be used for all the  other “Member Only" pages).

ACCA Spread Sheets Lay Calculator

We separately prepare the Tutorial for the Lock-In Profit Calculators – we have 3 modes of Spread sheets of;

  • Basic Mode – Lay Sequentially (this is the spreadsheet I used in the above William Hill example)
  • Lock-In Profit Mode – Lay Against Refund (in fact, this Mode set what I did in the above from the beggining)
  • Simultaneous Mode – Lay All

You can download all the 3 mode spreadsheets. And follow the step-by-step tutorials for each spreadsheet to guarantee profit with risk free. Go ACCA Insurance Lock-In Profit Spreadsheet Tutorial Special Report by GEM (you can use the same password you obtained in the above report for this document as well).ACCA Insurance Spread Sheet, real time script GEM's matched betting,

Allow Me To Repeat that Sports Betting is No Longer Gambling.  You CAN Get Fast Extra Money On The Side, Which will Cover All Your Daily Bill & Save For A Rainy day.

No More Money Worries!!

Good Luck On Your Extra Money Journey!!

Joshua Walker

Publisher of GEM (Global Extra Money)