Mostbet’s Bet Insurance provides players with a strategic risk management tool that guarantees the safety of their stakes regardless of match outcomes. This innovative feature allows bettors to protect their investments by paying a premium to secure partial or complete stake returns if their prediction proves incorrect.
Launched on September 10, 2020, this service transforms the traditional betting experience by eliminating the possibility of complete losses. Unlike standard bets where unsuccessful predictions result in forfeited stakes, insured bets create a safety net that returns the protected portion of your wager.
How Bet Insurance Works
The Mostbet insurance system operates on a straightforward principle:
Step 1: Place Your Bet
Select any eligible single or accumulator bet using real money funds.
Step 2: Calculate Insurance Cost
Insurance premium costs dynamically adjust based on:
- Current odds of selected events
- Percentage of stake you wish to insure
- Timing of insurance purchase during the event
Step 3: Secure Your Stake
Choose your insurance coverage percentage (from 1% to 100%) and pay the calculated premium.
Step 4: Enjoy Protected Betting
- If your bet wins: Receive full winnings as normal
- If your bet loses: Receive a refund for the insured portion of your stake
- If your bet is returned (odds of 1): Insurance premium is refunded to your account
Bet Insurance Works
Insurance Cost Calculation
The insurance premium varies based on event odds and market conditions. The system calculates costs proportionally to the risk level and insurance percentage you select.
For example:
- Bet amount: €100
- Odds: 1.8
- Insurance coverage: 100%
- Insurance premium: €47
Potential Outcomes:
- Winning scenario: Receive €180 (full winnings)
- Losing scenario: Receive €100 refund (entire insured stake)
- Returned bet scenario: Receive €47 refund (insurance premium)
Flexible Coverage Options
Mostbet allows incremental insurance purchases for the same bet:
- You can insure portions of your stake at different times (e.g., 10%, then 30%, then 50%)
- Insurance costs adjust based on evolving match conditions and odds
- Maximum combined insurance cannot exceed 100% of the original stake
This flexibility enables strategic risk management as events unfold, allowing you to respond to changing match dynamics.
When to Apply Insurance
Bet insurance can be purchased:
- For any eligible single or accumulator bet
- At any point during a live match
- Through your betting history in your personal account
- Only for bets placed with real money (not bonus funds)
The service remains available until the insurance option disappears from the betting slip, typically as events approach conclusion or when odds fluctuate significantly.

Mostbet Bet Insurance
Strategic Benefits of Bet Insurance
Guaranteed Returns
Eliminate complete losses by securing refunds for unsuccessful predictions.
Confidence in Complex Bets
Particularly valuable for accumulator bets where one incorrect prediction normally voids the entire slip.
In-Play Risk Management
Respond to changing match conditions by adding insurance when events take unexpected turns.
Maximized Winnings Potential
Unlike cash-out options that reduce potential returns, insurance preserves full winning amounts while protecting against losses.
Important Limitations
Several restrictions apply to the bet insurance service:
- Insurance cannot be canceled once purchased
- Bets placed with bonus funds, free bets, or promo codes cannot be insured
- Insurance cannot be applied to bets containing already settled events
- The Bet Buyback feature cannot be used on insured bets
- Mostbet reserves the right to determine eligible bets and may restrict insurance options
Creating a Win-Win Situation
The primary advantage of bet insurance is establishing a win-win scenario:
- If your prediction is correct: Receive full winnings despite paying the insurance premium
- If your prediction is incorrect: Recover your insured stake, minimizing or eliminating losses
This approach transforms traditional betting from a binary win-or-lose proposition into a more nuanced risk management strategy.