Separate the two products
| Feature | Changes | Does not establish |
|---|---|---|
| Acca insurance | Adds a refund or credit state under defined conditions | That the original price was fair |
| Odds boost | Changes the return for a qualifying winning state | That the joint probability was estimated correctly |
The Gambling Commission's consumer bonus guidance distinguishes bonus-fund restrictions and withdrawal conditions, while bet365's current boost help shows one product's eligibility and stake conditions. An insurance label can mean cash, withdrawable balance, a token, or another restricted credit, and the accepted terms decide the payoff.
In Great Britain, Gambling Commission LCCP condition 5.1.1 sets current requirements for rewards and bonuses, including a cap on wagering requirements and restrictions on mixed-product incentives. Its consumer bonus guidance explains checks around restrictions and withdrawal. Other jurisdictions have different rules.
Worked boost comparison
Suppose an illustrative GBP 10 accumulator is accepted at decimal 8.00. Two possible boost definitions produce different returns:
| Definition | Calculation | Gross return |
|---|---|---|
| 20% applied to full decimal price | 10 * (8.00 * 1.20) | GBP 96.00 |
| 20% applied to profit portion | 10 * (1 + (8.00 - 1) * 1.20) | GBP 94.00 |
bet365's current Bet Boost help is one operator example with product-specific eligibility, stake and settlement conditions. The table is illustrative; it does not describe that product's current calculation.
Model insurance as outcome states
Build a payoff row for all legs win, exactly one qualifying leg loses, more than one loses, a leg is void, and the promotion becomes ineligible. For each row record:
- Cash return from the original bet.
- Cash paid for any extra feature.
- Refund form and usable amount.
- Wagering, minimum-price and expiry restrictions.
- Probability of that complete state.
A GBP 10 free-bet token is not automatically equivalent to GBP 10 cash because the stake may not be returned and use can be restricted. Assign a documented cash-equivalent value under the exact terms, then apply OpenStax's expected-value method to the complete net payoff table.
Verification checklist
- Save the accepted offer, account eligibility and expiry.
- Confirm minimum legs, leg prices, sports, markets and stake cap.
- Identify whether the boost changes price or profit.
- Identify the precise insured loss pattern.
- Recalculate after a void or push.
- Keep promotional value separate in performance reporting.
Next step
Use Boosted Odds Explained for the next part of this topic.
Compare cash-equivalent outcomes
Use separate columns for cash, returned stake, bonus funds and free-bet tokens. Suppose a one-leg-loss state provides a GBP 10 token whose stake is not returned. If the token is later used at decimal 3.00 and wins, the cash return may be GBP 20 rather than GBP 30; if it loses or expires, the return is zero. The token's expected cash value therefore depends on its permitted use, selected price, success probability and expiry, not its face value alone.
| State | Ordinary acca | Promotion adjustment | Final cash-equivalent payoff |
|---|---|---|---|
| All qualifying legs win | Enter gross return | Apply boost if eligible | Recalculate from exact boost rule |
| Insured loss pattern | Enter ordinary loss | Add valued refund | Cash plus estimated usable value |
| Other loss pattern | Enter ordinary loss | Usually none | Confirm from terms |
| Void or ineligible state | Apply product settlement | Apply promotion rule | Reconcile accepted terms |
Retain realised token cash separately from estimated value. This allows a later review to distinguish a reasonable offer valuation from the outcome of one token use.
Continue learning
- Next guide: Accumulator Staking Plans
- Related guide: Banker Bets in Accumulators
Assumptions and limitations
The arithmetic is illustrative. Promotions can be personalised, withdrawn, capped or changed, and the controlling terms vary by operator and jurisdiction. Recheck after the stated expiry date.
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