Travel Insurance, landing in different country to destination

davetheman007007

 I have a weeks golf holiday in Spain, but I fly to portugal and transfer into spain, for the travel insurance it asks country, what do I do as I want to ensure my golf clubs are insured on the plane?

la531983

What is the exact wording of the question? 

DullGreyGuy

Assuming your driving/training etc to Spain then you'd need to say you are visiting Portugal and Spain

la531983

If its asking where the flight is landing, its Portugal
If its asking where the accommodation is, its Spain
If its asking where you are playing golf, its Spain
If its asking which countries you are visiting, its both

Need the exact wording of the question being asked for any meaningful advice to be proffered.

davetheman007007

Question wording is 

Please select or type your destination below

TELLIT01

Your final destination is Spain.

la531983

Indeed it is Spain. Some destinations dont even have international airports (such as Andorra) and some places are very near to each other across borders (such as Vienna and Bratislava) so its not as if an insurer would query why you are flying into one country and then driving across a border to another

davetheman007007

Thanks, that makes sense

Voyager2002

davetheman007007 said:

Question wording is 

Please select or type your destination below

You answer "Spain and Portugal". Your premium will then be based on the most expensive and/or risky of these two countries.

DullGreyGuy

TELLIT01 said:

Your final destination is Spain.

The question doesn't ask for final destination, the destination of the flight is Portugal, the OP is then travelling to Spain and therefore they should declare both. Given both are Western European countries it's unlikely to make any difference but under CIDRA they could void the policy for reckless or intentional non-disclosure were they to decide to withhold the destination of the flight. 

Things would be different if the OP was flying to Portugal and then taking a connecting flight to Spain as technically they've never entered Portugal. 

Voyager2002

DullGreyGuy said:

TELLIT01 said:

Your final destination is Spain.

The question doesn't ask for final destination, the destination of the flight is Portugal, the OP is then travelling to Spain and therefore they should declare both. Given both are Western European countries it's unlikely to make any difference but under CIDRA they could void the policy for reckless or intentional non-disclosure were they to decide to withhold the destination of the flight. 

Things would be different if the OP was flying to Portugal and then taking a connecting flight to Spain as technically they've never entered Portugal. 

Agreed.

To give a more extreme example: I will be spending a couple of days in Spain on the way to Cuba. I need to declare both: I presume that the premium for Cuba is higher than for Spain, but I certainly want to be insured during my time in Spain.