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Provided that we do not take into consideration the composition of your starting two-card total, the ratio of non-ten-value cards to ten-value cards is now to 96 because one of the Aces has already left the shoe. Here is the thing β€” the even-money payout is basically the same thing as insurance with a few tiny differences. Some players argue in favor of insurance and the basic premise of their argument is that you lose your entire initial bet if you do not insure your hand as opposed to breaking even when you accept insurance. No matter how we beat about the bush, insurance is a bad bet and as such, should be altogether avoided. Casino operators themselves want you to believe they are doing you a favor by allowing you to insure yourself against a possible dealer blackjack. By offering you even money before the dealer peeks for a blackjack, casinos simply spare you the hassles of insuring your hand. Most inexperienced gamblers get confused when this happens and often end up asking fellow patrons or the dealer for advice. Also, if you accept even money, the dealer would pay you out before he or she peeks under their hole card for a blackjack, unlike winning insurance bets which are paid after the peek. My name is Dan Howard. If the dealer indeed has a blackjack and you do not, you lose your original stake but win the insurance bet at casino odds of 2 to 1, i. Respectively, the implied probability of you winning your insurance bet is 1 in 47, which corresponds to a likelihood of 2. If you take the time to examine a basic strategy chart closely, you will surely notice one strange phenomenon. The first difference is that this is a possible option only when the player has a blackjack and the dealer shows an Ace. Of course, there are exceptions to all rules, including this one because the insurance bet is susceptible to advantage-play techniques such as card counting. This has nothing to do with boosting the odds of your original bet but it has everything to do with decreasing your long-term expected value and here is why. The reason is simple β€” basic strategy players should never take insurance because it is a negative-expectation bet in the long term. Cashback is cash with no restriction.{/INSERTKEYS}{/PARAGRAPH} The bottom line is basic strategy players should never insure their hands or accept even-money payouts on their naturals. It follows that if you always accept insurance on your blackjacks, you inevitably end up winning even money whether or not the dealer also has a natural. They seem to believe a profit of one base-bet unit is better than no profit at all. Casino Action. This offer cannot be used in conjunction with any other offer. You earn 1. You break even, i. You can even buy insurance in gambling establishments whenever you take a seat at one of their blackjack tables. Welcome bonus excluded for players depositing with Skrill or Neteller. There are two possible scenarios when you take insurance. You can insure any two-card hand against a dealer blackjack by betting up to half of your original wager. If you have arrived on this page not via the designated offer via PlayOJO you will not be eligible for the offer. During the first round after the dealer reshuffles, you take a look at your starting hand and see it consists of two small cards, say You also manage to catch a glimpse of the hand of the other player sitting at the table and see it also consists of two small cards, Your dealer is showing an Ace. {PARAGRAPH}{INSERTKEYS}Nowadays, there are many different types of insurance one can buy β€” there is life insurance, car insurance, travel insurance, health insurance, property insurance, and liability insurance. And finally, we have the situation where you decline buying insurance and the dealer does not have a ten-value card in the hole. The truth of the matter is you are insuring nothing. Free Spins. Card counters keep track of the ratio of ten-value to non-ten-value cards that remain in the shoe or deck. The dealer peeks under their hole card and it turns out it is indeed a ten-value card giving them a blackjack. Play With. The correct plays for splitting, hitting, standing, doubling , and surrendering against all possible dealer cards are listed while insurance is strangely absent from the chart. No min withdrawal. The odds of the dealer having a blackjack are now 31 to 16 because we have 31 non-ten-value cards and 16 ten-value cards. Claim Now Read Review. Have A Favourite Casino Game? This gives them the opportunity to identify the situations in which insurance becomes a positive-expectation bet. This offer is only available for first time depositors. This is an optional proposition wager which is treated separately from your original bet. Insurance and even money are the two sides of one and the same coin. No wonder dealers are recommending patrons to insure their hands! When you buy insurance, you are practically betting your dealer has a ten-value card in the hole next to their Ace for a blackjack. Best Online Casino Bonuses. And of course, the dealer would always recommend them to accept even money because this way, they will not lose anything during this round. Yako Casino. This is a bad piece of advice which you should never take. I have helped review many of the web-based casinos and roulette variations you can read about at SuperCasinoSites, with a focus on providing you with accurate information that can help you in finding the best casino websites. This offer is only available for specific players that have been selected by PlayOJO. Additional Exceptions Consider the following situation where you are playing a pitch game which uses a single deck containing 52 cards in total. Some people argue you must insure only pat hands like hard 20 and naturals and decline insurance when you have bad hands like hard 12 or hard Out of cards left, you have 94 ten-value cards and non-ten-value cards because one of the Aces has been removed. It follows that when you insure your hand, you end up winning even money If you decline insurance, The remaining Therefore, the probability of you winning 1. The third possible situation you can find yourself in is when you decline insurance but the dealer also ends up having a natural. Skip to content. This means 5 cards with a value other than ten are no longer in play and the deck is now left with 47 cards in total. Taking Insurance Additional Tips What if we introduce your starting two cards into the equation? Should they accept the even-money payout or should they decline? In the second scenario, you again decide to accept insurance but it turns out the dealer does not have a natural. The even-money payout is offered when players obtain a blackjack and the dealer exposes an Ace. The latter is a type of proposition bet in blackjack that has been the subject of hot debates for decades. Insurance becomes a positive-expectation bet under these circumstances. Inexperienced players reason accepting even money is a good alternative because if they decline and the dealer also ends up with a blackjack, the two naturals will push, i. Why is that? Provided that the dealer does not have a ten-value card in the hole, you lose the insurance bet and play on your hand continues as usual. Suppose you are playing a six-deck game where the ratio of non-ten cards to ten-value cards is to The six decks have just been reshuffled, the dealer exposes an Ace at the start of the first round , and offers you to buy insurance. I am one of the co-writers at this website and a person with a vast experience in playing roulette online and offline. The two blackjacks push again and you neither lose nor win anything. What you are doing with this side bet is wagering the dealer has a ten-value card in the hole. No max cash out on deposit offers. Few are bold enough to argue in favor of taking insurance but the vast majority of blackjack experts recommend you to refrain from ever making this bet. Some dealers are even instructed to advise players on accepting insurance. There is a slight improvement in the odds but you are still losing lots of money by buying insurance. PlayOJO Casino. The odds of winning with this wager are slimmer than the odds the casino pays you at. When the remaining ten-value cards outnumber the non-ten-value cards, a card counter is more likely to insure their hands against a dealer blackjack.