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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 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 odds that the dealer has a valued card underneath their Ace.
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.
Look around! 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.
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