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It has been reported through various news websites that the conflict between India and Pakistan over the disputed territory of Kashmir has escalated dramatically in the last 24 hours — and the rivals are both armed with nuclear weapons.

India launched air strikes in Pakistan in retaliation for a Kashmir car bombing. Pakistan responded by shooting down two Indian jets and capturing a pilot. The two countries previously fought three wars and went to the brink on a fourth.

On Wednesday Pakistan's military shot down two Indian warplanes and captured an Indian pilot, raising tensions to a level not seen for decades.The attack came just hours after Pakistan accused India of firing mortar shells into its side of divided Kashmir, killing six people.

All claims relating to this conflict will be assessed based on your circumstances and in accordance with the Product Disclosure Statement (PDS) applicable to your policy level.

If your policy was purchased before 3pm (AEST) on 28 February 2019 –

If you have commenced your trip and your transport has been delayed/cancelled there may be coverage for reasonable additional expenses for travel, accommodation or meals. All policy limits, conditions and exclusions will apply to any claim lodged.

If you have not commenced your trip and your transport has been cancelled, delayed or rescheduled you may have coverage for cancellation or the rearrangement of your trip (if this is less than the cancellation cost). You will need to contact your travel agent or transport provider to obtain any applicable refund, credit or confirmation of cancellation fees applicable. Your travel provider may offer free options to rearrange your travel.

If you purchased your policy after 3pm (AEST) on 28 February 2019 –

Our policy does not provide cover for any event you were aware of before your policy cover commenced. If you purchased your policy after 3pm 28 February 2019 we would expect this was done with knowledge of the current event and therefore there would be no coverage for any claim which was a result of this event.

We will continue to monitor the situation and advise accordingly.