Cookie Policy

Our websites (Retail, Adviser, Corporate, GPS make use of cookies to collect data in order to administer the websites and to enable its services.

About cookies

Cookies are small items of data, created when you visit a website and stored on your computer. We use both permanent and session cookies. Session cookies are automatically deleted when you close all of your browser windows. Permanent cookies expire at a defined future date. Find out more about cookies and how to manage them:


How we use cookies

We do not use cookies to track you or profile your activity on other websites.

We do use cookies to record the number of unique visitors to the website and to particular pages on the site.

We also use cookies to store your preferences for accessibility and other website options. Some of our cookies are essential to the operation of the website, for example making online transactions and forms work properly.

You may delete or block cookies from our websites, but parts of the websites may no longer work as expected and your options will no longer be remembered.

Cookie list

A list of all the cookies we use can be found below.

This list is intended to include all the cookies placed on your computer when you visit our website. Please bear in mind that there may sometimes be a short delay in updating this list.

Contact us if you think a cookie is missing

Cookie Purpose Lifespan Opt out
WT_FPC Webtrends anonymous unique identifier used to track first-time and returning website visitors. Permanent Visit
accept-cookies Stores whether you have accepted our cookie message Permanent  
has_js Stores whether you have JavaScript enabled, allowing us to ensure some services work correctly without it. Session  
visid_incap_237326 Essential to the operation of our website Session  
incap_ses_198_237326 Session  
ecos.dt Set by the survey Session  
eds Permanent  
en-persist Session  
ACOOKIE   Session  
Drupal.tableDrag.showWeight   Session  
SRVNAME   Session  
WT_FPC   Session  
__utmvc   Session  
_ceg.s   Session  
_ceg.u   Session  
_ga   Session  
_ga   Session  
_hp2_id.411455962   Session  
_mkto_trk   Session  
ajs_anonymous_id   Session  
ajs_group_id   Session  
ajs_user_id   Session  
bf_lead Used to track your state between pages. This helps us inprove the stability and security of our site. Session  
incap_ses_374_236820 Session  
visid_incap_236820 Session  
visid_incap_297759 Session  
visid_incap_946441 Session  
YouTube cookies We embed videos from our official YouTube channel using YouTube’s privacy-enhanced mode. This mode may set cookies on your computer once you click on the YouTube video player, but YouTube will not store personally-identifiable cookie information for playbacks of embedded videos using the privacy-enhanced mode. Read more at YouTube’s embedding videos information page.    
optimizelyEndUserId Used to serve variations of our pages, to determine the best way to help our customers. Permanent Visit
optimizelyOptOut   Session

Transactional Site (

Cookie Purpose Type
incap_ses_801_236820   Session cookie
nlbi_236820   Session cookie
visid_incap_236820   Session cookie
CLUSTER_NODE   Session cookie
fso   Session cookie
JSESSIONID   Session cookie
LANGUAGE   Session cookie
LB   Session cookie
LID   Session cookie
SID   Session cookie
UID   Session cookie

Adviser site (

Cookie Purpose Type
TEXT_SIZE Stores your preferred font-size Permanent cookie
popCookieStatus Records whether you have accepted the cookie warning Permanent cookie
mySheet Persistently stores your preferred website theme (Default or High Contrast) so that it reappears on your next visit Permanent cookie
cookieStatus Records whether you have accepted the cookie warning Permanent cookie
cookieenabledcheck Records whether you have enabled cookies Session cookie
_utmz Google Analytics Cookies – anonymous unique identifiers used to track first-time and returning website visitors.You can opt out here: Permanent cookie
_utmc Session cookie
_utmb Permanent cookie
_utma Permanent cookie
_atuvc Permanent cookie

Government Payment Services (

Cookie Purpose Type
_ga Used by google analytics. Permanent cookie
_gat Permanent cookie
_gid Permanent cookie
interstitial-shown Used to determine if we have shown you our interstitial message Permanent cookie