![]() Every win would result in a net profit of £2 (£3 win – £1 bet), which on all 49 scenarios on average would win you £32 (16 winning hands * £2 net profit). Should you play out this scenario 49 times, you would on average win 16 of them as there are 16 winning cards and lose the remaining 33 as there are 33 losing cards. If you would place an insurance bet of £1, you would win £3 every time the dealer is turning over a 10 or a face card. This scenario is the best you could get for insurance, but it still isn’t good enough to be able to profit from it in the long run. All of these will then be available in the deck, which has a total of 49 unseen cards as you’ve been given two and the dealer is sitting on an ace. Let’s also assume that the hand you’ve been dealt doesn’t have any of these 16 cards. If we assume that you’re sitting at a table where only one deck is being used, 16 of the 52 cards will have a value of 10 (four 10s, four jacks, four queens, and four kings). This side bet will never have any effect on your chances of winning your original bet and as you’ll always have the odds against you on such a bet it’s never a good option to choose. The insurance option is portrayed as a way to insure the hand against a possible blackjack for the dealer, but in reality, it’s nothing but a separate bet that is placed on if the dealer’s second card will have a value of 10.
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