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Cookie Policy

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website. By continuing to browse the site or by clicking ‘I accept’, you are agreeing to our use of cookies.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.

We collect information through cookies to ensure the content of the website and the website pathways work as effectively as possible. We use the following cookies to help us achieve this:

• Strictly necessary cookies. These are cookies that are required for the operation of our website and are completely anonymous. Below are examples of when or why we will use these cookies:
- to help the website to function and enhance the look and feel of the website;
- to ensure you are always provided with a quick and responsive browsing experience;

For our web servers to respond to your actions on the website or browsing the website. The website would not be able to work without it; and they also help to improve navigation around our website and allow you to return to pages you have previously visited.

• Analytical/performance cookies allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works. Below are examples of when we will use these cookies:
- statistical information and log data about the number of visits to certain pages on the site;
- the pages you viewed and activities you carried out during your visit;
- the time and date of your visit;
- the duration you stayed on a certain page; and
- the path taken whilst on the site.

• Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences. Below are examples of when we will use these cookies:
- as soon as you visit the website, a cookie on your device will identify you have returned to the website and record your preferences;
- remembering your choice of language or region; and
- when submitting a comment to one of our blogs, the information you enter is remembered in order to make it easier for you to comment next time.

By using our website you agree to us placing the cookies specified above on your device (phone, android, computer, mac etc.).

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

Changes to Cookies Policy

We may change this Policy from time to time as a result of changes required by its insurers, for operational or administrative reasons or in order to comply with changes in the law.