Information about cookies

In addition to Cookie Policy, our Privacy Notice applies and complements this Cookie Notice.

We use cookies and other similar technologies on websites operated by If Skadeförsäkring AB (publ), including all local branches, that maintain domains such as if-insurance.com. You can at any given time withdraw your consent for processing cookies and other identifiers here.

We may change this Cookie Notice at any time. The "last revised" date at the bottom of this page indicates when this Cookie Notice was last revised. Any change in this cookie policy will become effective when a new version is published on our websites.

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

There are also other technologies, such as pixel tags, web bugs, web storage and other similar files and technologies can also be used for the same or similar purposes as cookies. In this Cookie Policy, we use the term "cookies" to refer to cookies and all other similar technologies.

We classify the cookies that we use based on the purpose. Some cookies are essential for our website to operate, while others measure the performance & provide personalized user experiences. We also use cookies that help us deliver targeted 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.

Information collected through a third-party cookie is subject to the privacy policy of that third party, and not our privacy policy. However, we respect your privacy and allow such third-party cookies only if you have given your consent, except security related cookies.

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. Here is a link to 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.

Cookie categories

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.

HotJar
We use Hotjar as a technology service to better understand our users’ experience, and to build and maintain our service with our users’ feedback. Hotjar uses cookies and other technologies to collect data on our users’ behaviour on their devices. Only information, which does not contain any directly personally identifiable data, are processed - e.g. information user enters into our forms or chat is never collected. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For further details, please see Hotjar’s support site.

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, for example by utilizing services such as Google Signals as part of Google Analytics. 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.

How to choose your cookie settings and control cookies

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.

If you have this setting, no cookies will be stored from If's or any other web site. However, you may also notice that some functions on web sites are not available to you. Using anti-tracking tools to prevent use of cookies may also disable some functions. That's why we do not advise to use anti-tracking tools at If's web site or to totally opt-out from cookies.

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 youronlinechoices.eu.

List of cookies

Cookie / Responsible party	Category	Name	Purpose	Lifespan	Type of Cookie
Consent cookies / If	Essential	OptanonConsent, OptanonAlertBoxClosed	Cookies related to the OneTrust cookie compliance solution. Used to store visitor preferences related to cookies and other trackers.	1 year	1st Party
Security cookies / If	Essential	TSxxxxxxxxxxx, TS01xxxxxx, AspNetCore.Antiforgery.LN7Cd5AFAG0:, .AspNetCore.OpenIdConnect.Nonce.*, __RequestVerificationToken	TS cookies are used to validate domain cookies and qualifying subdomain cookies to ensure cookies are not modified or for load balancing. AspNetCore cookies are used to prevent Cross-Site Request Forgery (CSRF) and replay attacks. _RequestVerificationToken is created by ASP.NET MVC platform. This is so-called anti-forgery cookie which helps to secure that forms on MyPages get submitted in the original form. That the forms are not injected or forged in any way.	AspNetCore.Antiforgery.LN7Cd5AFAG0, _RequestVerificationToken: Session, others 10 min,	1st Party, _RequestVerification 3rd Party
Customer service cookies / If	Essential	intelecomchat_100XYZ, Activity	intelecomchat_100XYZ is the chat session cookie of the contact panel application. Activity cookie is used to log self-service transactions for our customer service agents.	Chat session or MyPages login session	1st Party
Load balancing cookies / If	Essential	ARRAffinity, ARRAffinitySameSite, LBSESSION	Created by Microsoft Azure and helps to direct requests to the correct instance in load-balanced environments.	Session	1st Party
Content cookies / If	Essential	EPi:StateMarker, EPi:UrlReferrerKey, cultureCode, _currentCustomer, _salesCode	EPI cookies are created by Optimizely (CMS) for anonymous visitor segmentation to be used for dynamic content on pages. Other cookies (_cultureCode, _currentCustomer, _salesCode) cookies is used to display content on our Employee Pages platform.	_currentCustomer and _salesCode: 34 min, others: Session	1st Party
Statistics cookies (Google Analytics) / If	Essential	FPID, FPLC, _gcl_au, _gcl_dc, pageviewCount, _gid, _gaxxxxxxxxxx, _ga_xxxxxxxxxx,_gac_xxxxxxxxxx _gat_UA-xxxxxxxx-x	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.	FPID, _ga, _gaxxxxxxxxxx: 2 years, _gcl_au, _gcl_dc, _gacxxxxxxxxxx: 90 days, _gid: 1 day, FPLC: 20 hours, pageviewCount: 30 minutes, _gat_UA-xxxxxxxx-x: session	1st Party
Statistics cookies (Microsoft Application Insights) / If	Essential	ai_session, ai_user	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.	Session	1st Party
Authentication cookies / If	Essential	.AspNet.Cookies, ASP.NET_SessionId, .AspNetCore.Cookies, .AspNetCore.CookiesC1, .AspNetCore.CookiesC2, .AspNetCore.CookiesC3, __BFFx	Created to authenticate customers as well as to keep them logged in for the duration of their session.	Session or 2 hours	1st Party
Advertising / Meta (Facebook)	Advertising & Targeting	sb, datr, oo, _fbp, fr, xs, c_user, wd, dpr, locale, presence, sb	Created by Meta, collects statistical usage and activity. Its also used for visitor segmentation for customizing advertising on Facebook and Instagram. It's also used for optimizing media buying, analyzing and reporting on media investment in the Meta system.	sb and datr: 2 years, oo: 5 years, _fbp 90 days, fr 90 days, xs 90 days, c_user 30 days, wd 1 week, dpr 1 week, presence: Session, sb: 2 years	3rd party (_fbp 1st party)
Advertising / Google	Advertising & Targeting	Various, for example NID, 1P_JAR, SOCS, CONSENT (youtube.com), AEC, OGPC, TEST_COOKIE, IDE.	Cookies that track conversion actions such as price calculations and sales are used to follow up on performance. Its also used for visitor segmentation for customizing advertising in Google's networks. For an overview of cookies used by Google advertising, see https://business.safety.google/adscookies/	NID: 6 months, 1P_JAR: 30 days, SOCS: 13 months, AEC: 6 months, TEST_COOKIE: 15 min, CONSENT: 17 years, IDE: 6 months	1st party
Advertising / LinkedIn	Advertising & Targeting	Examples of LinkedIn cookies: li_gc, bcookie, lidc, li_sugr	Examples of certain LinkedIn cookies are provided here. For a full list, see LinkedIn's documentation at: https://www.linkedin.com/legal/l/cookie-table. li_gc: used to store the consent of LinkedIn users regarding the use of cookies for non-essential purposes, bcookie: browser Identifier cookie to uniquely identify devices accessing LinkedIn to detect abuse on the platform, li_dc: used by LinkedIn to facilitate data center selection, li_sugr: used to make a probabilistic match of a user's identity on the LinkedIn platform.	Various	3rd party
Advertising / Microsoft (Bing)	Advertising & Targeting	MUID, _uetsid, _uetvid	These cookies are used to track conversion actions such as price calculations and sales. They also used for visitor segmentation for customizing advertising in Microsoft's networks, and to follow up on advertising effectiveness.	MUID: 1 year, _uetsid: 1 day, _uetvid: 1 year	1st party
Advertising and personalization / Salesforce	Advertising & Targeting	_evga_XXXX, _sfid_XXXX	The personalization module of the Salesforce Interactions SDK supports anonymous and named identity tracking using Personalization first-party cookies or by being passed identity information by the website	13 months	1st party
Quotation and Purchase cookies (webshop) / If	Essential	ifcustomerexp_v2, basketCountCookie_prod, webshopFI_recom, shoppingbasketSessionId	Specific cookies created by our webshop for enabling shopping basket funtionality, allowing the visitor to leverage the recommendation tool for personal insurances, or displaying a maintenance notice when the webshop is closed for maintenance.	webshopFI_recom, shoppingbasketSessionId: session, ifcustomerexp_v2: 1 day, basketCountCookie_prod: 2 hours	1st party
Essential / Visual Website Optimizer (VWO)	Essential	_vis_opt_exp_{CAMPAIGNID}_goal_{GOALID}, _vis_opt_test_cookie, _vis_opt_exp_{CAMPAIGNID}_combi, _vis_opt_exp_{CAMPAIGNID}_exclude, _vis_opt_exp_{CAMPAIGNID}_split, _vis_opt_s, _vis_opt_out, _vwo_uuid, _vwo_uuid_{CAMPAIGNID}, _vwo_ds, _vwo_sn, _vwo_uuid_v2, _vis_opt_exp_{CAMPAIGNID}_combi_choose, _vwo_referrer, _vwo, _vwo_global_opt_out, _vwo_ssm	VWO cookies that are exclusively applied in situations where a user has initiated a specific activity, for instance on a partner's website, and VWO is utilized to enable the user's completion of the requested journey. The application of VWO cookies for targeting content variants to a user on If’s website is always categorized under ‘User Experience’ category.	_vis_opt_exp_{CAMPAIGNID}_goal_{GOALID}, _vis_opt_exp_{CAMPAIGNID}_combi, _vis_opt_exp_{CAMPAIGNID}_exclude, _vis_opt_exp_{CAMPAIGNID}_split, _vis_opt_s, and _vwo_global_opt_out: 100 days _vis_opt_test_cookie: until browser is closed _vis_opt_out, _vwo_uuid and _vwo_uuid_{CAMPAIGNID}: 10 years _vwo_ds: 90 days, _vwo_sn: 30 min from last visitor activity _vwo_uuid_v2: 366 days _vis_opt_exp_{CAMPAIGNID}_combi_choose: until campaign changes are applied _vwo_referrer: 15 seconds _vwo: 2096 years _vwo_ssm: 3650 days	1st party
User Experience (HotJar) / If	User Experience	All _hj* cookies, for example _hjAbsoluteSessionInProgress, _hjSession_xxxxxx, _hjTLDTest, _hjFirstSeen, _hjIncludedInPageviewSample, _hjIncludedInSessionSample_2951928 ,_hjSessionUser_xxxxxx	Used to better understand our users’ experience, and to build and maintain our service with our users feedback. Hotjar uses cookies and other technologies to collect data on our users’ behaviour and their devices. For an overview of cookies set by HotJar's tracking code, see https://help.hotjar.com/hc/en-us/articles/6952777582999-Cookies-Set-by-the-Hotjar-Tracking-Code	_hjAbsoluteSessionInProgress: last user activity + 30min, _hjSession_xxxxxx: last user activity + 30min, _hjTLDTest: Session, _hjFirstSeen: 30min, _hjIncludedInPageviewSample: end of session + 2min, _hjIncludedInSessionSample_xxxxxxx: end of session + 2min ,_hjSessionUser_xxxxxx: 365d Please see https://help.hotjar.com/hc/en-us/articles/6952777582999-Cookies-Set-by-the-Hotjar-Tracking-Code for an up to date list of cookies related to HotJar.	1st party
User Experience / Visual Website Optimizer (VWO)	User Experience	_vis_opt_exp_{CAMPAIGNID}_goal_{GOALID}, _vis_opt_test_cookie, _vis_opt_exp_{CAMPAIGNID}_combi, _vis_opt_exp_{CAMPAIGNID}_exclude, _vis_opt_exp_{CAMPAIGNID}_split, _vis_opt_s, _vis_opt_out, _vwo_uuid, _vwo_uuid_{CAMPAIGNID}, _vwo_ds, _vwo_sn, _vwo_uuid_v2, _vis_opt_exp_{CAMPAIGNID}_combi_choose, _vwo_referrer, _vwo, _vwo_global_opt_out, _vwo_ssm	VWO utilizes cookies to target content variants to a user and a content experiment cookie to determine a user's participation in an experiment	_vis_opt_exp_{CAMPAIGNID}_goal_{GOALID}, _vis_opt_exp_{CAMPAIGNID}_combi, _vis_opt_exp_{CAMPAIGNID}_exclude, _vis_opt_exp_{CAMPAIGNID}_split, _vis_opt_s, and _vwo_global_opt_out: 100 days _vis_opt_test_cookie: until browser is closed _vis_opt_out, _vwo_uuid and _vwo_uuid_{CAMPAIGNID}: 10 years _vwo_ds: 90 days, _vwo_sn: 30 min from last visitor activity _vwo_uuid_v2: 366 days _vis_opt_exp_{CAMPAIGNID}_combi_choose: until campaign changes are applied _vwo_referrer: 15 seconds _vwo: 2096 years _vwo_ssm: 3650 days	1st party
User Experience / TrustPilot and Forsta	User Experience	No cookies set by If websites	These cookies are set when a visitor interacts with widgets or popups from customer experience survey platforms TrustPilot or Forsta embedded on our websites. While loading, the scripts can connect to the 3rd party domains, but no actual cookies are set. If the visitor chooses to click on an embedded widget or popup, the cookie notice and privacy policy of these domains become applicable.	N/A	N/A
Marketing / Google	Marketing	FPGSID	This cookie is related to Google Signals and registers statistical data on users' behaviour on our website.	30 minutes	1st party

_{Last revised: 04 March 2024}

Cookie notice

What is a cookie?

1. Essential cookies

2. User Experience cookies

3. Advertising & targeting cookies

4. Advanced analytics & targeting