Cookie Notice

Here you will find information about how If Skadeförsäkring AB (publ), registration number 516401-8102, address: 106 80 Stockholm, Sweden, and the company's subsidiaries and branches, including If Skadeforsikring, filial af If Skadeförsäkring AB (publ), Sweden (CVR no. 24203212), use cookies and other identifiers on our websites, including www.if.dk and www.if-insurance.com.

This Cookie Notice describes what cookies are, how and why we use them, as well as how to choose your cookie settings and control the use of cookies.

You can at any given time withdraw your consent for processing cookies and other identifiers here.

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

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 Notice, 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.

Cookie categories

We have divided the cookies we use into different categories based on their purpose:

  • Cookies that are essential for our website to function
  • Cookies to improve the user experience,
  • Cookies for advertising and targeting, as well as
  • Cookies for advanced analytics and targeting

We have compiled a list of all cookies used with further information about their purpose, lifespan, etc. You can see it here.

The same technological solution may be used for different purposes, but we ensure that the use of the tool is consistent with your privacy settings.

Below you will find an overview of the categories of cookies that we use on our website, as well as the most commonly used technological solutions under each category.

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 the 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.

  • Chat function (first-party cookies)
    Chat function cookies enable the chat function to function properly and allow us to provide customer service 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.

  • Visual Website Optimizer (first-party cookies)
    VWO is a tool used for A/B testing, scroll depth analysis, click analysis and other similar functions. When we use VWO, 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.
  • Sleeknote (Piwik Analytics) (third-party cookies)
    Piwik statistics are used in conjunction with the Sleeknote service. Sleeknote is used to provide the user with an easy way to request a contact from us.
  • Trustpilot (first-party cookies and third-party cookies)
    Trustpilot is a service for gathering and displaying customer reviews.
  • HotJar (first-party cookies)
    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 (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.

  • Salesforce Marketing Cloud (first-party cookies)
    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 your user behavior. This information is used for advanced analytics, advertising and targeted marketing purposes, for example by using services such as Google Signals as part of Google Analytics, and for customer service by phone, including marketing. Your data is never sold to third parties. By accepting this category, you may experience more relevant content or avoid 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 www.youronlinechoices.eu.

The above cookie notice has been prepared in accordance with the Telecommunications Act (Statutory Order no. 128 of 7 February 2014 on electronic communications networks) and the Cookie Executive Order (Executive Order no. 1148 of 9 December 2011 on requirements for information and consent when storing or accessing information in the end user's digital equipment), which states that all visitors should be informed when a website uses cookies and that visitors have the right to refuse cookies being stored in their web browser.

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.* 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. AspNetCore.Antiforgery.LN7Cd5AFAG0: Session. Others: 10 min 1st Party
Customer service cookies / If
 Essential Chat function:  BoostAI (boostId)
Puzzel (psCurrentState, ps_pQ, all vngage.* cookies)
IfGPT (ifgpt-session, ifgpt-state, ifgpt-welcome-screen, ifgpt-session-auth, ifgpt-auth, _h)
 Used to ensure that chat sessions function properly.

Contains the current state, ”Queue” or ”InDialog” when visitor engages in a solution, contains a unique id used to anonymously relate a current session. Contains no personal information.

Used to keep track of session across if subdomains like MyPages or Webshop, to indicate if welcome page has been shown, if chat window is "active" or "closed", to track user's login state, or if user is authenticated.
 Expires when the chat is closed or when browser session ends 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
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 Ads (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. It is 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 ifshop_sessionid, ifshop_ifwsclientversion, xmu2, _h, ifshop_xxxx_page, ifws_xxxx_readonly, ifshop_xxxx_kampagne, ifshop_xxxx_referrer, logout_hint Cookies created by our webshop to, for example, contain the unique ID of the user session in the webshop, keep track of the user's navigation, determine the promo code (for discounts) and to validate whether a user is logged in. ifshop_sessionid: 24 hours, ifshop_ifwsclientversion: 1 hour, XMU2: 15 minutes, _h: 1 hour, ifshop_xxxx_page: 1 hour, ifws_xxxx_readonly: 1 hour, ifshop_xxxx_kampagne: 1 hour, ifshop_xxxx_referrer: 1 hour, logout_hint: 15 hours 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 1st party
Marketing / Google
 Advertising FPGSID This cookie is related to Google Signals and records statistical data about the behavior of users on our website. 30 minutes 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 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. Not included 3rd party
Statistik cookie (Microsoft Application Insight) / If
 Essential ai_session, ai_user We use these cookies to ensure the stable performance of our websites, detect technical errors and identify any problems. All information collected through these cookies is anonymous. ai_session: the session, ai_user: 1 year 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 uses cookies to target content variants to a user and handle redirects in a "split test", to collect anonymized, aggregated reporting data, to determine a user's participation in or exclusion from an individual experiment, personalization, or all experiments in general, to calculate the volume of website traffic, and to determine the sources of traffic.                 _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: 365 days

_vwo_ssm: 3650 days		 1st party

Last revised on August 21, 2025.