Cookie Policy

What Are Cookies?

A cookie is a small text file that is placed and stored on your computer, mobile or other device by websites that you visit. Cookies are widely used in order to make websites work, or work more efficiently, and also to provide information on visitor behaviour to the website owner. For further information on the use of cookies visit or

Session Cookies

These are temporary cookies that remain in the cookie file of your device's browser until you close the browser. They can enable certain site functionality and are also used by the server to store/remember information about user web page activities so user information can be stored throughout an online web process e.g. to allow information to be carried across pages of a website to avoid having to re-enter information.

Persistent Cookies

These are cookies that remain in the cookie file of your browser for much longer (how long depends on the lifetime of the specific cookie). Generally speaking, persistent cookies can be used to track website visits, including returning and unique visitors, and to monitor how people interact with a website. They can also be used to help arrange content to match a user's preferred interests/preferences more quickly e.g. language settings, however, these cookies cannot be used by themselves to identify you.

How Do We Use Cookies?

We use cookies for a number of reasons, including:

  • Enabling users to obtain quotes from our website (session cookie);
  • Ensuring the security of our customers (session cookie);
  • Making possible certain site functionality (session cookie); and
  • Website traffic and visitor behaviour tracking (persistent cookie)
  • Assisting in evaluating and refining the targeting and personalisation of our online marketing campaigns by collecting anonymous data about our visitors and their website use (persistent cookie)

The session cookies that we use are strictly necessary for the website to operate and are essential to make possible certain site functionality, including obtaining a quote and also to protect the security of our customers. You must have session cookies enabled if you wish to get a quote online or access any areas of the website reserved for registered users. Session cookies do not hold personal information.

The persistent cookies used on this website help us to improve the user experience of the site by giving us an insight into how it is being used. These are Google Analytics cookies, which are used to compile anonymous, aggregated statistics that allow us to understand how users use our website and to help us improve the site structure. Neither we nor any third party can identify you personally in this way. You can remove persistent cookies by following the directions provided in your internet browser's 'help' file.

What Cookies Do We Use And Why?


This is a session cookie generated by PHP, a technology we use to code our websites.

This cookie is necessary to enable the pass through of referral website information and ensures the accurate payment of our partner websites. In terms of this referral information this is stored against a user's customer record within our quote database at the point where the user ticks to confirm that they have read our Privacy and Security Policy.


This cookie is necessary to enable the functionality of our website applications (debt payment application, quote engine and customer portal. The customer portal is an external application provided by a third party but it shares the same JsessionID cookie used on our internal applications). This cookie is used to maintain a user's session and to allow data to be passed between different online web pages within the quote engine. This cookie exists only for the duration of the user's session. Users must have the session ID cookie enabled if they wish to get a quote from us online.


This cookie is necessary to ensure the functionality of our customer online documents area within the website. Its functionality mirrors that of a session ID and as such, this cookie exists only for the duration of the user's session. Users must have the PolicyP cookie enabled if they wish to access their customer documents with us online.


(_ga, _gat, _gali, _gid & collect)

These cookies are performance cookies and are used as part of our web analytics activity to monitor traffic and compile reporting about how users are using our websites. The cookies are used to capture anonymous data about a user's journey around our website and the information is aggregated in order to allow us to analyse trends and to make improvements to our website. _gat will expire after 2 years and the other cookies will expire after the session has ended.


Heap is a user behavioural analytics product and service. We use Heap to collect and analyze data about how our users are interacting with our services. Heap collects data on what users are doing, including but not limited to what webpages they visit, what users click on, where those users are located, what browser or platform those users are using, and many other forms of behavioural data.

Qualaroo: Cookies with names beginning "ki_"

We use Qualaroo for surveys regarding the website quality. Qualaroo cookies contain no personal info. For more info about cookies from Qualaroo, we refer to

Live Person (Live messaging provider)

COPLivePerson uses third party cookies to maintain session data and to identify returning visitors by saving LivePerson-specific data such as visitor ID and last messaging date. It is important to note that the cookies do not contain any private customer data, or any data that can be accessible or useful outside of LivePerson.


This is a Cross-Site Request Forgery cookie. This cookie is used to ensure all transactions are secure. This cookie stores a random value, which is generated for every visitor for every page, to ensure the response (if required, for example, when completing a quote form) comes from the same person and they have received the original form prior to sending it back to us. This is provided by a third party.


This cookie is necessary to ensure the functionality of our website applications, including our customer portal. This is used solely to store the name of the brand so that the quoting engine can brand itself accordingly.


(_cs_id, _cs_s, _cs_c, _cs_cvars, _cs_ex, _cs_optout, _cs_mk, _csrl)

This site uses the Content Square UX analytics service. The Content Square service helps us analyze how visitors use our website. We do not collect through the ContentSquare service or transfer to Content Square any personal identifiable information. We only use the ContentSquare service to record, on a completely anonymous basis, information such as mouse clicks, mouse movements, scrolling activity. To this end, Content Square places cookies in our domain in order to analyse the user experience of visitors. These cookies are used to store information that cannot be used to personally identify the users of the website. Content Square does not create a user profile for the purpose of tracking a user across unrelated web sites. You can prevent cookies from being installed by setting up your browser software accordingly. By using this website, you agree to the processing of the data collected about you in the way described above and for the purpose stated above.

We use services provided by a third party for fraud prevention purposes. The third-party service helps us decide whether to accept transactions from devices by checking whether these devices have been identified with fraudulent transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. If you set your browser or device to reject these cookies or tokens, you may not be able to conclude some transactions through our website or application. We share information about the device you are using, which may also have been used or appropriated by others, and do not identify you or reveal the details of your transaction to that third-party.

Use Of Cookies By Associated Websites And Third Parties

Please be aware that our website contains links to and from other websites. We accept no responsibility or liability for the content of these websites or the cookies they use. If you choose to visit another website via our website, you will need to contact them separately to have your personal information deleted from any records they might hold. It is also the responsibility of these websites to detail their use of cookies to you on their website and to gain the relevant consents from you for their usage.

During your visit to our website you may notice some cookies that are not related to us. This typically takes the form of embedded content from websites such as YouTube and social media bookmarks. When you visit a page with content embedded from these websites and opt to interact with this content you will be presented with cookies from them. We do not control the dissemination of these cookies and you should check the third party websites for more information.

Managing, Disabling And Enabling Cookies

You have the ability to accept or decline cookies from any website by modifying the settings in your browser. If you wish to restrict or block the cookies which are set by our website, you can do this through your browser settings. For information about how to manage and disable cookies you can use the 'Help' function within your browser or please visit or However, please note that deleting or disabling cookies could affect the functionality of our website and you may not be able to access certain areas or features of our site.

To opt out of being tracked by Google Analytics across all websites visit

Further Information On Our Use Of Cookies

If you would like more information regarding cookies or our use of them, please contact the Data Protection Officer at the following address:

Data Protection Officer, Admiral Group, Ty Admiral, David Street, Cardiff, CF10 2AA.

March 2019