A cookie is a small file - it's saved onto your computer or other device when you visit our website.
Cookies store small pieces of information. For example, - they will remember you've visited our site or performed a certain action.
Cookies also let us know which pages of our site you visited; they help us develop and market our products and services. They also help us track sales.
Cookies work in two main ways:
Most of the cookies we use record the pages of our site you visit and any interactive elements - such as forms or calculators - that you use.
We don't collect any information that can identify you personally. For certain sales and marketing processes, we may verify sales by recording a policy or sale ID number and time.
We use cookie information to find out how our website is being used. We can learn which pages are being viewed and how many visitors are using the different sections of the site. This information helps us understand how useful the site is to our visitors, and how we can keep improving.
We use session cookies for some secure online customer services. These cookies let us make the login process easier and more secure. We might also use a session cookie to pre-populate your details on one of our online forms.
These are the main cookies we use, and why we use them.
These cookies make sure our website delivers information and services securely. Without them, you wouldn't be able to move around our website or use its features. You can't opt out of using these cookies.
We use Adobe Flash Player to play some videos on the site. We also use it for some of our calculators and tools. Flash cookies (also known as Local Shared Objects) are stored on your computer in the same way as other cookies. Flash cookies are managed slightly differently and can't be deleted manually from your browser.
To disable or delete Flash cookies, visit the Adobe website for instructions. If you disable Flash cookies you won't be able to access any Flash content, including video and some of the tools on our site.
These help us measure how our websites are used. They tell us which pages are being viewed and how many visitors are interacting with the website.
You can find more information about the data collected on the Google Analytics help page.
Web beacons - also known as clear GIFs or page tags - are small transparent images which are embedded within the web page.
Web beacons send information about your visit to us, and to other companies whose services we use. This is combined in reports with information about other visitors.
Web beacons can be used in conjunction with cookies. If you opt-out of cookies, the web beacons will be limited to reporting on anonymous details of the device being used and the web pages visited.
Web beacons aren't stored on your computer in the same way cookies are, so you can't control them using your browser settings.
You can change your cookie preferences
You can change your cookie preferences
When you opt-out of using cookies on this site, we will stop setting or using the cookies described in the Anonymous Cookies section above. Web Beacons may continue to be used on this site, but they won't be able to set or read any cookies - they will be limited to reporting on anonymous details of the device being used and the web pages visited. No personally identifying information will be sent.
You can disable and remove the cookies if your browser supports this. To check and update your cookies settings, you will need to know what browser you are using and what version you have. You can usually find this out by opening the browser, then clicking on 'Help' and then 'About'. This will give you information about the browser version you are using.
To manage your cookies, refer to your browser's help section or visit the aboutcookies website.
Remember, if you amend your cookie settings, your browsing experience may change for the worse. For example, if you have set preferences on a website - such as your location for local news or weather forecasts - it will no longer remember these.
We welcome your comments about this policy. Contact us