Count for Insurance

[Zach Black]

I was playing a 6 deck shoe a few weeks back and had a positive running Hi Lo count of 17 with 3 decks lefts. There were a total of 6 spots being played. The dealer shows an ace. I had two hands, each a pair of 10's.

I said that I wanted insurance and put in a hundred for chips. While the dealer counted my chips I looked around and saw 7 more 10's which reduced he RC 6 and the TC to under 3. With the new count I declined the insurance. The dealer had 21.

My question is what count do you use for the insurance: Is it the count at the time dealer down card is dealt or the count after all cards shown on the table?

If I had used the RC 11 / TC 3+ at the time the dealer down card was dealt I would have taken insurance.

 

[21forme]

Use all the cards. The more info, the better.

 

[Canceler]

...the count after all cards shown on the table?

This one. You want as much information as you can get before making any decisions.

 

[jack.jackson]

I was playing a 6 deck shoe a few weeks back and had a positive running Hi Lo count of 17 with 3 decks lefts. There were a total of 6 spots being played. The dealer shows an ace. I had two hands, each a pair of 10's.

I said that I wanted insurance and put in a hundred for chips. While the dealer counted my chips I looked around and saw 7 more 10's which reduced he RC 6 and the TC to under 3. With the new count I declined the insurance. The dealer had 21.

My question is what count do you use for the insurance: Is it the count at the time dealer down card is dealt or the count after all cards shown on the table?

If I had used the RC 11 / TC 3+ at the time the dealer down card was dealt I would have taken insurance.

Yes, use as much info as possible(count all cards).

However, in such borderline decisions, especially with a pair of 20s on the layout i would of taken full insurance on one of the 2 hands(or 1/2 ins. when playing 1 hand only) to reduce risk. Hence, Risk Averse.

 

[Gamblor]

I was playing a 6 deck shoe a few weeks back and had a positive running Hi Lo count of 17 with 3 decks lefts. There were a total of 6 spots being played. The dealer shows an ace. I had two hands, each a pair of 10's.

I said that I wanted insurance and put in a hundred for chips. While the dealer counted my chips I looked around and saw 7 more 10's which reduced he RC 6 and the TC to under 3. With the new count I declined the insurance. The dealer had 21.

My question is what count do you use for the insurance: Is it the count at the time dealer down card is dealt or the count after all cards shown on the table?

If I had used the RC 11 / TC 3+ at the time the dealer down card was dealt I would have taken insurance.

OP what kind of game you play? Why would you ever make an insurance decision before taking into account other players cards? In most shoe games, the dealer's face down card is the last cards dealt, so you should always make insurance decision after taking into account everyone's cards. Its basically a moot point.

 

[Gamblor]

Yes, use as much info as possible(count all cards).

However, in such borderline decisions, especially with a pair of 20s on the layout i would of taken full insurance on one of the 2 hands(or 1/2 ins. when playing 1 hand only) to reduce risk. Hence, Risk Averse.

God I can't stand when I insure a hard 13 and 15, and bust out with both hands with a big bet. Always takes a big chunk out of my bankroll