This content is for customers. If you are an adviser please visit our adviser site

Cookie policy

What are cookies?

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.

We use cookies to help us improve your experience when you visit our website. For example, a cookie might store information so you don't have to keep entering it.

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.

Persistent cookies - these stay valid, and will work until their expiry date (unless you delete them before they expire)

Session cookies - these expire when you close your web browser

Why we use cookies

The information we collect

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. They can also record information on the visit date and time as well as internet browser and the device you use to access the site.

We collect unique customer identifiers for certain sales and marketing processes, we may verify sales by recording a policy or sale ID number and time.

How we use this information

We use cookie information to find out how our website is being used and we may use them to tailor your online journey.

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 may also use information about your browsing activity to tailor your online journey and content.

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.

Cookies we use

These are the main cookies we use, and why we use them.

Essential cookies

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.

Cookie namePurposeExpires
ecm This cookie is used to control the user session on the content management system, manage logged in user identity and site wide configuration such as language. When the browser is closed.
Cookiewarning This remembers that you have accepted the cookie warning. After 30 days.
Epsiteuser This remembers your preference from the welcome screen for adviser or consumer site. After 30 days.
ASP.Net_SessionId This cookie uniquely identifies the user's session on the site and relates the visitor's unique session to server side data. When the browser is closed.
EktGUID This cookie is a unique identifier for the current user and is generated for all and assigned at the time they first arrive on the site. After 1 year.

We use analytics tools provided by Google

Google analytics cookies track the number of unique users of the site.

You can find more information about the data collected on the Google Analytics Privacy Policy.

The Google Analytics implementation on site uses third party cookies to correlate site usage data with broad, non-personally identifiable customer segments for the purposes of reviewing on-site usage and optimising user experience.

For more information, please review the following information from Google.

Cookie namePurposeExpires
_ga Used by Google analytics to distinguish users After 2 years.
_gat_UA Used by Google analytics as a tracking code After 1 minute.

Changing your cookie settings

When you opt-out of using cookies on this site, and after you refresh or move away from this page, we will stop setting or using the analytics and other non-essential cookies described.

Web Beacons may continue to be used on this site, but they won't be able to set or read any cookies. Web Beacons will be limited to reporting on anonymous details about the device being used and the web pages visited. No personally identifying information will be sent.

Your cookie settings on this site

How to disable cookies that have been set

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 Information Commissioner's Office 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.

More information - Changes to this policy

We occasionally update our cookie policy. You should visit this page periodically if you want to keep yourself informed. Last updated on 4 April 2017.