What is a cookie?
A cookie is a small piece of data sent from a web page and stored in a user's web browser, mobile phone or another device. This data is stored on the user's device and can be used to remember information about the user's visit to the website. Cookies are commonly used to provide personalized user experiences and to enable certain functionalities on websites, as well as for other purposes such as advertising
We use the term "first-party cookies" for cookies set by us and the term "third-party cookies" for cookies set by third-party technology vendors. With first party cookies we mean cookies that are stored by the domain (including all sub-domains) you are visiting directly, or any domain (including all sub-domains) owned and operated by us, such as if.eu. With third party cookies we mean cookies that are stored by any other domain than described above.
Data that we collect via first-party cookies can be shared with third-party technology vendors who process data on behalf of If Skadeförsäkring AB (publ), including all local branches. More information about processing these data can be found in our Privacy Notice.
Below we list different categories of cookies that we use on our websites, based on their purpose - Essential cookies, User experience, Advertising & targeting cookies and Advanced analytics & targeting. See the full list of used cookies.
Please note that the same tool can be used for various purposes, hence we control that the cookies’ use are in line with your privacy settings. For each category, we also list most often used tools.
1. Essential cookies
Our website needs these cookies to function correctly. These cookies enable some basic functionalities, such as on-line purchasing, using logged-in services or chatting with our customer service. In addition, they help us to compile anonymous, aggregated statistics that allow us to understand how people use our website. Some cookies are also used to detect security threats or detect fraud. These essential cookies do not store any personally identifiable information and no third-party cookies (with an exception of Google reCAPTCHA which serves the security purpose) are included.
- OneTrust (first-party cookies)
OneTrust cookies allow us to remember visitors' cookie consent preferences and to determine when we need to ask visitors to give/update their preferences.
- Google Analytics (first-party cookies)
Google Analytics cookies register a unique ID and collect statistical information about how the visitor uses the website. Under this category ”Essential” Google Analytics is used solely for the purpose of fraud detection and to compile anonymous or aggregated statistics.
- EPiServer (first-party cookies)
EPiServer is a content management system ensuring users access to content to be displayed in their browsers.
- Microsoft Application Insights (first-party cookies)
We use these cookies to ensure the stable performance of our websites, detect technical errors, and troubleshoot any issues. All information collected through these cookies is done on an anonymous basis.
- Google reCAPTCHA (third-party cookies)
Google reCAPTCHA helps protect our services from spam and abuse by verifying that the user is a human and keeping automated software out of our services.
- Security cookies (first-party cookies)
We are using User-centric security cookies to protect and secure our systems so we can provide a safe digital journey for our visitors.
- Authentication cookies (first-party cookies)
These cookies enable visitors to authenticate and stay logged in for the duration of their session. They also enable switching between applications in a logged-in state.
- Transactional cookies (first-party cookies)
These cookies enable the functionality of our webshops and ensure that the transactions performed by the visitors in our authenticated self-service channels are logged and available for our customer service.
- Web application scaling (first-party cookies)
Some of our applications are scaled out to multiple instances to ensure they function under heavy traffic. These cookies are created by our web app service to achieve session affinity and secure operations.
- Puzzel (first-party cookies)
Puzzel cookies enable the chat function to work properly and allow us to provide customer service support to our visitors.
2. User Experience cookies
These cookies collect more detailed information that helps us understand how visitors interact with our website. This information allows us to improve the user experience and offer more relevant content and enables our website to remember information that changes the way it works or looks.
These User Experience cookies do not store any information that can be used to directly identify a person, but they can be used to identify a person indirectly together with other information we have about you. This is information is used by us only on aggregated level for statistical purposes.
User Experience cookies are important for ensuring that our website functions correctly and that you have a seamless user experience. If you choose not to allow these cookies, you may experience issues when using our website, such as difficulty accessing certain features. Therefore, we recommend that you allow these cookies in your browser settings to ensure that you have the best possible experience on our website.
- Google Optimize (first-party cookies)
Google Optimize is a tool used for A/B testing, scroll depth analysis, click analysis and other similar functions. When we use Google Optimize we take measures to ensure that no personal data is collected. Cookies set by this tool are used to make sure that the same user interface variant is displayed for each visit if a user is participating in a design experiment.
- Confirmit (third-party cookies)
Confirmit is used for creating surveys that help us collect feedback from visitors' experiences with our website or our services.
- Trustpilot (first-party and third-party cookies)
Trustpilot is a service for gathering and displaying customer reviews.
3. Advertising & targeting cookies
These cookies are set by advertising and targeting platforms. They are used for understanding visitors' interests and offering more relevant and personalized experiences. You will see ads on third-party websites based on your behavior and interests on our site. While these cookies do not store any directly identifiable personal information, they may identify your browser and internet device.
If you do not allow these cookies, the advertising you see will be less relevant to your interests and preferences and you may see more generic ads. Please note that opting out of these cookies does not mean you will stop seeing ads, but rather that the ads you see may be less relevant to you.
- Google analytics (first-party cookies)
Enables the use of advertising cookies to create target groups for digital advertising-based data about previous visits on our websites.
- Bing Ads / Microsoft Ads (third-party cookies)
A search engine provided by Microsoft, cookies contain a unique user ID. The cookie enables user tracking by synchronizing the ID across many Microsoft domains.
- Google Ads / Doubleclick (third-party cookies)
Google Ads / Doubleclick is a digital advertising platform. It is used for collecting data in order to analyze advertising effectiveness as well as to identify target groups. The platform and cookies set by it can also be used for displaying digital advertising based on information about visitor's prior visits on our website.
- Facebook (third-party cookies)
A social media platform that inserts cookies to measure advertising effectiveness and to create target groups for advertising.
- LinkedIn (third-party cookies)
A social networking service that inserts cookies to measure advertising effectiveness and to create target groups for advertising.
- Youtube (third-party cookies)
A video sharing service that inserts cookies to measure advertising effectiveness and to create target groups for advertising.
- Salesforce Marketing Cloud (first-party cookie)
Salesforce Marketing Cloud collects data to improve user experience within our websites and offer more relevant content and marketing communication.
4. Advanced analytics & targeting
Within this category we use online identifiers to enrich your online behavioral statistics with information we and our partners have about you to provide us better understanding of user behavior. This information is used for advanced analytics, advertising and targeted marketing purposes. Your data is never sold to third parties and is only used to either improve your experience by providing more relevant content or avoiding irrelevant content.
Please note that for these purposes we don't use any additional or other tools than already listed in the other categories. To learn more about the effects of consenting to Advanced Analytics & Targeting, please read our Privacy Notice.
Essential cookies are needed to operate our website and set automatically and this cannot be changed using the cookie settings.
You can always control whether User experience, Advertising and Advanced analytics & targeting cookies are set using the cookie banner at the top of the website, or using this link. In order to save your choices, we will use the Essential cookies set by OneTrust.
Once you have submitted your cookie preferences, the cookie banner will disappear from your screen, and re-appear after a period of 12 months, unless cookies are cleared from your browser.
You can use your browser settings to choose whether you want to accept cookies or not, as well as to remove cookies that have been set on your device. If you want to totally opt-out of having cookies stored on your browser, you can change the security settings of your web browser and choose to not accept any cookies. Common web browsers are Chrome, Firefox, Edge and Safari.
You can also change your web browser settings so that you get a warning every time a site is trying to set a cookie. You can then decide for each cookie if you want to accept it or not.
More information about how to handle cookies in your web browser can be found at www.aboutcookies.org.
More information about targeted advertising based on your Internet usage can be found at www.youronlinechoices.eu.