To make full use of our website and to purchase online, you will need to accept some cookies (known as 'functional cookies') as they enable us to provide you with quotations and to set up a personalised policy.

What are cookies?

A cookie is a piece of data that a website places in your computer web browser's memory. The information the cookie contains is set by a web server and it can be read again when the user next visits a website.
Cookies are useful for remembering things that you did when you last visited that website, which may include commencing a quote or purchase.

Are cookies risky to my computer or to my privacy?

No - They are not computer programs and cannot be used to circulate viruses which could damage your computer. Cookies are text files which contain a reference to a website or page and a relevant piece of information which will help the website to provide a better service to you. When you first vist a website, a cookie is downloaded onto your computer so that next time you visit, the data contained within the cookie can be uploaded to the site. The data may tell the site what you were looking at last time so that you do not need to repeat the process, or may remember certain preferences you made such as text size, colour or layout.
Cookies do not store sensitive information about you such as your name, address or payment details.

What's good about cookies?

'Functional cookies' enhance our website performance by remembering important information and user preferences, such as login data, region, and language. They are essential for the operation of the website.

'Analytical cookies' track user behavior on websites. They collect data (e.g., pages visited) to improve site functionality and enhance user experience. We use Google Analytics cookies.

'Marketing cookies' track online activity to deliver targeted advertising. They help advertisers profile users accurately and share data with other organizations. We do not use cookies to market products to you.

Types of cookies that we use:

Session (Transient) Cookies
These are only stored in your computer's memory for the length of your browsing session to help you to move from page to page without re-entering your details. They become inaccessible after a period of inactivity and are automatically deleted when you close your browser.
    Our site uses the following Session cookies:


  • homePage - remembers the relevant 'home page' where you joined our site
  • PHPSESSID - allows us to keep track of your progress through the site
  • currency - stores the preferred currency used for some purchases
  • 'AWSALB' and 'AWSALBCORS' cookies are necessary cookies to ensure a smooth and efficient user experience created by Amazon as part of their web services unit for applications that use load balancers.
  • incap_ses_XXXX_XXXXXXX - placed by as part of our website payment security
Persistent (Permanent) Cookies
These are stored in your computer's memory and are not deleted when the browser is closed. They can used to keep your preferences for the website, so they will be remembered on your next visit. They may also be used to collect general information about visitor numbers, average time spent on a particular page and to analyse shopping behaviour on a website. This information can lead to improvements in service on the website.
    Our site uses the following Persistent cookies:
  • 'WWpartner' - holds the reference name of a partner
  • 'WWpartnerID' - holds the partner ID to track referred sales
  • 'complianceCookie' - (Up to May 2024) used to record your cookie preferences - remains for 6 months
  • 'cookieConsent' - (From May 2024) used to record your cookie preferences - remains for 6 months
  • 'rc::a' and 'rc::c' cookies that were set by Google ReCaptcha
  • visid_incap_XXXXXX - placed by as part of our website security- remains for 12 months
  • '_ga', '_ga_XXXXXXXXX', '_ga', '_gat_gtag', and '_gid' are used by Google Analytics, enabling the service to distinguish one visitor from another and typically last for up to 2 years. Any site that implements Google Analytics, will likely use these cookies.
  • 'Affc' is provided by 'Affilate Future' and facilitates payment of referral commission fees to ad partners when the user makes a purchase.
Third-party cookies
A third party might set cookies on a website to provide additional content and services. This may enable site monitoring to ensure any web promotion is effective, or may be used to allow users to write reviews or to give feedback.
Social networks
If you use share products and content with social networks like X (formerly Twitter) and Facebook, these companies may set a cookie. You can read their cookie policies:

What happens if I opt out of all cookies?

We use cookies to track the effectiveness of our online advertising and to reward external websites who may have recommended us. If you opted out of all cookies, it would not affect your ability to purchase insurance from us but may affect our ability to improve customer service in future.

How do I opt out of cookies?

You can manage the cookies that you allow on your computer through the internet browser that you use. You can also ask to be alerted every time a cookie is offered so that you can retain the ability to choose. Here are instructions on how to manage your cookies using the most popular internet browsers: