Best Travel and Insurance Deals with Discount Codes

Travel insurance is one of those purchases where most people default to whatever their bank or comparison site suggests first. The problem is that generic policies often miss the specifics that matter — adventure activity cover, pre-existing conditions, long-stay options — and the prices can vary enormously for the same level of cover.

This guide looks at two specialist UK travel insurance providers that offer something the mainstream comparison sites often do not: tailored policies with discount codes that genuinely reduce your premium.

Outbacker Insurance — Specialist Long-Stay and Adventure Cover

Outbacker Insurance is an Australian-founded, UK-based travel insurance provider that specialises in long-stay, backpacker, and adventure travel policies. The brand has built its reputation on covering the trips that mainstream insurers struggle with — gap years, working holidays, multi-destination backpacking routes, and activities that standard policies exclude.

What Makes Them Different

The standout feature is breadth of activity cover. The brand states that their policies include over 100 activities that other insurers charge extra for, from skiing and scuba diving to bungee jumping and white-water rafting. For anyone planning an active trip, this avoids the hidden costs that add up with mainstream providers.

Pre-existing medical condition cover is another area where Outbacker stands out. Many standard insurers either exclude conditions entirely or price them prohibitively. Outbacker offers medical screening as part of the quote process, which means you get a clear answer on cover and cost upfront rather than discovering exclusions in the small print.

Where the Savings Are

The best time to buy is when you book your trip — prices are generally lower the further out from departure you purchase. Seasonal promotions run before summer and winter holiday peaks. Discount codes of 10% off are not unusual and apply directly to the quoted premium. Check our Outbacker Insurance store page for the latest verified codes.

Who It Suits

Backpackers, gap year travellers, adventure sports enthusiasts, and anyone with a pre-existing medical condition who has struggled to find affordable cover elsewhere. If your trip involves anything beyond a standard two-week beach holiday, Outbacker is worth quoting alongside mainstream options.

Coverwise — Flexible Travel Insurance Comparison

Coverwise is a UK travel insurance provider offering single trip, annual multi-trip, and backpacker policies. The service covers medical emergencies, cancellation, baggage loss, and more, with the flexibility to tailor cover levels to your specific trip.

What Makes Them Different

Coverwise positions itself as a straightforward way to get travel insurance without the complexity of full comparison sites. You get a quote based on your destination, trip length, and cover requirements, with clear pricing and the ability to adjust excess levels and cover limits to find the right balance between price and protection.

Annual multi-trip policies are where Coverwise delivers particularly strong value. If you travel more than twice a year, an annual policy almost always works out cheaper than buying separate single-trip policies — and the convenience of being covered for every trip without re-purchasing is significant.

Where the Savings Are

Prices vary by destination and trip length, so comparing quotes early is the most reliable way to save. Coverwise runs seasonal promotions before summer and winter holiday peaks. Discount codes are available periodically and apply to all policy types. Visit our Coverwise store page for the latest verified codes.

Who It Suits

Frequent travellers who want hassle-free annual cover, families booking standard holidays, and anyone who wants a clear quote without navigating a full comparison site. Coverwise is a strong default choice for straightforward trips where you want reliable cover at a competitive price.

Outbacker vs Coverwise — Which Should You Choose?

The two providers serve different needs rather than competing directly. Outbacker is the specialist — if your trip involves adventure activities, long stays, or medical conditions, start there. Coverwise is the generalist — if you want straightforward, competitively priced cover for standard trips, it is a reliable choice.

For annual multi-trip policies, both are worth quoting. The base price will vary depending on your destination mix and cover level, so getting a quote from each takes minutes and could save you a meaningful amount.

How to Save on Travel Insurance

The single most effective strategy is buying early. Both Outbacker Insurance and Coverwise price policies lower when purchased well in advance of travel dates. Waiting until the last minute almost always costs more.

Beyond timing, discount codes are the most direct way to reduce your premium. Even a modest 10% off on a policy makes a real difference, especially on annual or long-stay cover where the base price is higher. We verify codes for both providers on our store pages.

For tips on timing your holiday booking, choosing between packages and independent arrangements, and saving on the full cost of a trip, see our best travel deals guide for UK holidaymakers.

Browse our full travel category for more verified codes across all our travel and insurance partners.

Sources & References

• Financial Conduct Authority — Insurance Regulation
• Association of British Insurers
• GOV.UK — Foreign Travel Advice