What is your specific question about ACCAs or horse racing refunds?
with ACCAs you're using one of 3 or 4 methods:
- No Lay ACCAs - basically punting on low odds teams
- Lay At Start ACCA - choosing all very low odds teams at around 1.20 (i.e. at William Hill) and laying all the teams - e.g. this weekend Man Utd, Liverpool, AC Milan, Atletico Madrid, Juventus.
- Lay Sequential - backing a 5-fold ACCA, laying the 1st leg and then laying each match one after the other until one loses. You're hoping for only 1 team to lose to get a free bet refund.
Horse racing refunds - you're looking at backing and laying a close matched odds horse for either: free bet on winner (bet365, Betfair sportsbook), refund if 2nd to the SP favourite (Paddy, Toals, Brucebetting and others), Faller insurance (Coral), and there are many other variants.