What Is The Insurance in Blackjack, And Why Is It A Scam?

In fact, some players are able to beat the house edge when they combine skilled play with blackjack bonuses. He will make two passes around the table starting at his left your right so that the players and the dealer all have two cards each. As mentioned in the previous section discussion on pair splitting, there are several common restrictions on splitting Aces. Insurance is a sucker bet, plain and simple. Paying for Blackjack Betting Systems. Doubling down allows you to double your bet and receive one and only one additional card to your hand. Why is the insurance bad?

Possible Scenarios

What is Blackjack Insurance?

Leave those cards on the table, but mentally add them to your total hand value. If you go over 21, just toss the two cards in your hand face up on the table. The dealer will collect your bet and discard your hand. When you decide to stand, tuck the two cards you are holding face-down under the chips in your betting circle.

This can be a bit tricky the first few times. Don't pick up the bet to place the cards underneath. Remember, once the cards are dealt, you can't touch the chips in the circle. Simply slide the corner of the cards under the chips. Describing these moves makes them sound complicated. Just pay attention to what other players are doing and you will fit right in. Much of the excitement and profit in blackjack comes from hands where you are able to "double down". This option is available only with a two card hand, before another card has been drawn.

Doubling down allows you to double your bet and receive one and only one additional card to your hand. A good example of a doubling opportunity is when you hold a total of 11, like a 6,5 against a dealer's upcard of 5.

In this case, you have a good chance of winning the hand by drawing one additional card, so you should increase your bet in this advantageous situation by doubling down. If you are playing in a hand-held game, just toss your original two cards face-up on the table in front of your bet. In either type of game, add an additional bet to the betting circle. Place the additional bet adjacent to the original bet, not on top of it. The dealer will deal one additional card to the hand.

In a shoe game, he will probably deal the card sideways to indicate that this was a double-down. In a hand-held game, the card will be tucked face-down under your bet to be revealed after the hand is over. Depending on what the dealer makes on his hand, it can be an exciting wait to see that card revealed at the end! You are allowed to double down for any amount up to your original bet amount, so you could actually double down for less if you wanted.

That's a bad move though. Remember that you do give up something for being allowed to increase your bet: If the correct play is to double down, you should always double for the full amount if possible.

And just when should you double down, you ask? For that information, just use our Blackjack Basic Strategy Engine. When you are dealt a pair of cards of the same rank, you are allowed to split the pair into two separate hands and play them independently. Let's say you are dealt a pair of eights for a total of sixteen. Sixteen is the worst possible player hand, since it is unlikely to win as is, but is very likely to bust if you draw to it.

Here's a great chance to improve a bad situation. If you are playing a hand-held game, toss the cards face-up in front of your bet just like a double down. Then, in either type of game, place a matching bet beside the original bet in the circle. Note that you must bet the same amount on a split, unlike a double-down where you are allowed to double for less.

The dealer will separate the two cards, and treat them as two independent hands. He will deal a second card on the first eight, and you will play that two-card hand to completion. Many casinos will let you double-down on that two-card hand if you want. No matter what happens on your first hand, when you are done with it the dealer will deal a second card to your next hand and the process starts all over.

If you get additional pairs in the first two cards of a hand, most casinos will allow you to resplit, making yet another hand. Typically a player is allowed to split up to 3 times, making 4 separate hands, with 4 separate bets. If double after split is allowed, you could have up to 8 times your initial bet on the table! Note that you are allowed to split any valued cards, so you could split a Jack, Queen hand. However, this is usually a bad play. You will make more money on the pat 20 than you will trying to make two good hands from it.

I wrote a post about just that: Why Splitting Tens is a Bad Move. Another oddity comes when splitting Aces. Splitting Aces is a very strong player move so the casino limits you to drawing only one additional card on each Ace. Also, if you draw a ten-valued card on one of your split Aces, the hand is not considered a Blackjack, but is instead treated as a normal 21, and therefore does not collect a 3: With all these limitations, you may wonder whether it makes sense to split Aces.

The answer is a resounding YES. For accurate advice on what other pairs you should split, consult the Blackjack Basic Strategy Engine. If you want to win at Blackjack, you will eventually need to learn basic strategy from a basic strategy chart or play the interactive strategy trainer. However, there are some quick rules and tips that you can learn as a beginner to decrease the house edge and formulate a strategy.

Remember there are more 10 value cards 10, J, Q, K than any other cards in the deck—so when a 10 will get you close to 21 and you are against a card that is bad for the dealer, you should double. A player 9, 10, or 11 would always be a good double when a dealer is showing a 3, 4, 5, or 6. This is because the 3, 4, 5, and 6 are starting cards that are more likely to make a dealer bust.

The Ace is such a powerful card because pulling a 10 on a split will give you a Even though a 21 gained through a split is still only paid 1: Two fives total 10—which is a hand much better suited for doubling. Insurance in blackjack is often misunderstood by players, and is a big money-maker for casinos. Naming this side-bet "insurance" was a brilliant marketing ploy, and some otherwise solid players will frequently make this bad bet to "insure" when they have a good hand.

But actually, insurance is not always a bad bet. For players who can recognize when the remaining deck is rich in ten-valued cards, this can actually be a profitable side-bet. Insurance is a proposition bet that is available only when the dealer's upcard is an Ace.

When the dealer turns up an Ace, he will offer "Insurance" to the players. Insurance bets can be made by betting up to half your original bet amount in the insurance betting stripe in front of your bet. The dealer will check to see if he has a value card underneath his Ace, and if he does have Blackjack, your winning Insurance bet will be paid at odds of 2: You will still lose your original bet unless you also have a Blackjack , so the net effect is that you break even assuming you bet the full half bet for insurance.

This is why the bet is described as "insurance", since it seems to protect your original bet against a dealer blackjack. Of course, if the dealer does not have blackjack, you'll lose the insurance bet, and still have to play the original bet out.

Insurance is simply a side-bet offering 2: Not surprisingly, the casino has a substantial edge on this bet. In a single deck game, there are 16 ten-valued cards. Assuming that you don't see any other cards, including your own, the tens compose 16 out of 51 remaining cards after the dealer's Ace was removed.

That creates a 5. It's even worse in six decks with a 7. Card counters can still beat the insurance bet, by only making the bet when they know that more than one-third of the remaining cards are tens. Unless you are card counter and know the deck is skewed sufficiently, just ignore the insurance bet. It doesn't matter whether you have a good hand or a bad hand.

If you have a blackjack when the dealer turns up an Ace, he is likely to offer you "even money" instead of the insurance bet. If you accept, the dealer will pay you the amount of your original bet and discard your hand of blackjack, before he even checks under his Ace to see if he has a blackjack as well.

Many players think this sounds like a good deal, guaranteeing a profit even if the dealer has a blackjack. But that guaranteed profit comes at a price. Let me show you how it works:. So, casinos allow you to eliminate the insurance bet altogether, and simply declare that you want "even money" for your blackjack when the dealer has an Ace showing.

The problem is that you are still making a bad bet on insurance, which costs you money. A player who does not count cards should simply never take the insurance bet, even the "even money" variety.

Some games offer the player a chance to fold their hand, and forfeit half of their bet. This surrender option must be done as the very first action the player takes on the hand. In other words, you can't draw a card and then decide to bail out!

Even when surrender is available, it is rarely used by players. Often, the rules posted at the table won't mention it even if the casino allows it. And many players just don't like the idea of surrendering a hand. But for a smart player, it is a useful option, and reduces the house advantage by about 0. When surrender is available, make sure you know the correct strategy for using it. Most players who use the option surrender too many hands. If your game offers surrender, I recommend reading my complete explanation of blackjack surrender.

In the most common variety known as "late" surrender , a player cannot surrender until after the dealer has checked for blackjack. If the dealer has blackjack, you will lose your entire bet with no chance of surrendering for half the cost.

Generally, the dealer in blackjack must hit if he has a total of 16 or less, and stand if he has 17 or more. Seventeen is a weak hand, so if the dealer is allowed to try to improve the soft 17 hands, it makes the game tougher.

When a dealer is allowed to hit soft 17, it adds about 0. Almost all other areas used the better rule of standing on all 17s.

Over the years, more and more casinos have switched to hitting soft 17, and there are now far more H17 games than S17 games. You can still find some games where the dealer stands on all 17s, even in casinos where some of the tables use the H17 rule.

After splitting a pair, many casinos will allow you to double-down on a two-card hand that arises as a result of the split. For example, if you split a pair of eights, and draw a 3 on the first hand, it is valuable to be able to double-down on the resulting hand of As mentioned in the previous section discussion on pair splitting, there are several common restrictions on splitting Aces.

You will receive only one card on each Ace after splitting. Some casinos will allow you to resplit if you draw another Ace, and some will not. That's true even if the casino allows resplits of all other pairs. Many casinos in Europe, and some in other parts of the world, handle the dealer's second card differently. In these "European No Hole Card" games, the dealer only deals himself one card at the beginning of the round. After all the players have completed their hands, he deals his own second card and completes the hand.

Contrast that with the normal US style of play. There, if the dealer has a ten or Ace card up, he checks the other card immediately to see if he has a blackjack. If he does, the hand is over. This process of "peeking" under the hole card to check for blackjack means that players can only lose one bet per hand if the dealer has a blackjack.

In a No-Hole-Card game, a player might split or double and have multiple bets at risk to a dealer blackjack, because the dealer cannot check ahead of time. This changes the optimal strategy, and means that players should usually not split or double against a dealer ten or Ace upcard. An exception is splitting Aces against a dealer ten. Note that there are a few no-hole-card games where the rules specifically say that only one bet will be collected from a player if the dealer has a blackjack.

In those games, although there is no hole card, you can play the game as if there were. That means you should play it as a Peek game, even though there's not really a peek!

It's all a bit confusing. When the No-Hole-Card rule is in use, and all bets are at risk to a dealer blackjack, it costs the player 0. Use the "No-Peek" option at our Strategy Engine. Ok this one's an extremely rare variation which I doubt you will see in any casinos today but I thought I'd mention.

Similarly there is a rule variation whereby the player automatically wins when drawing 7 cards without busting which is called a "Seven Card Charlie". The most important item is the sign declaring betting limits. Both the minimum and the maximum allowable bets should be on a sign on the table-top. Look around to find a table that suits your bet sizes. Make sure that the table you have selected is actually for blackjack, and not another of the many kinds of table games that casinos offer.

Look on the table for the phrase " Blackjack pays 3 to 2 ". Avoid any games that say " Blackjack pays 6 to 5 " instead. See 6 to 5 Blackjack? Beginners should start off playing the shoe games. The advantage in this style is that all of the players' cards are dealt face-up, so the dealer and other players can easily help you with playing questions and decisions.

You can get the benefit of our years of experience today for free with nothing more than the click of a mouse and a few minutes of your time.

Our reviews and guides are used by more than , players worldwide every year. We put gambling sites through a solid reviews process that can sign off on all aspects of security, banking, software and games. We'll only ever list fully licensed and trusted sites that have proven their safety and fairness records to the likes of:.

Home Casino Sports Betting Poker. Casino Blackjack Insurance Bet. Blackjack Insurance Bet — Explained. What is the Blackjack Insurance Bet? When Should I Take Insurance?

Software Amaya Aristocrat Betsoft See all. Right after that, one of our readers reached out to me on Facebook with a question about one of the points I have mentioned there. Here's what he wrote me:.

Can I ask you why you did not talk about what the blackjack insurance is? As far as I know, the insurance in blackjack is something that players should avoid at all costs. Can you confirm that? Our reader - let's call him 'Frank' - is correct. The insurance should have been included in the list of the most common mistakes in the game because that's exactly what the insurance is: One of the easiest ways for a dealer to spot a complete beginner at the table is to see how this one deals with the insurance:.

Although any dealer out there will confirm you this rule - this still does not answer the two main questions about it: The insurance in blackjack: The first point that there's nothing like a real 'insurance' in blackjack - as what we usually refer to as an 'insurance' is actually a side bet.

Casino Table Games

Leave a Reply