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አማርኛ Acca insurance refunds coupons where one leg lets you down — typically 5+ legs required, refund capped and paid as a stake-not-returned free bet, not cash. The trigger (exactly one loser) is rarer than it feels: coupons mostly fail by two or more.
Price the product as a package: the insurance's expected value at realistic one-leg-miss rates is a fraction of the extra margin the qualifying accumulator carries. It softens variance psychology; it does not change the arithmetic sign.
Worked example
Five legs at 60% each true chance: P(exactly one misses) = 5 × 0.4 × 0.6⁴ ≈ 25.9%. A £10 refund as an SNR free bet is worth ~£7 when triggered → ≈£1.80 of expected value, against ~£2.50 of extra stacked margin on the five-fold itself.