We know that privacy is very important to you and we want to let you know that it is important to Combined Insurance too. The following is a summary of our privacy practices to let you know:

  • What information we might collect
  • What we do with the information we collect
  • What security measures we have in place

General Information

We respect your right to privacy. Whether you are a current customer of Combined Insurance or if you are just visiting this site, we assure you that we do not collect personal information about you unless you provide it for us. Combined Insurance’s website contains links to other sites. We cannot comment on the privacy practices of these other sites and strongly urge you to review the privacy policy on each site you visit.

Your Information

We use personal information which you supply to us for underwriting, policy administration, claims management and other insurance purposes, as further described in our Master Privacy Policy, available here or by searching ‘Master Privacy Policy’ on You can ask us for a paper copy of the Privacy Policy at any time, by contacting us at

If you are simply browsing this site, we do not collect any personal information. From time to time, we may compile statistics on the use of our site. We may monitor statistics such as how many visitors we’ve had or which browsers people use but this data does not identify anyone personally.


Combined Insurance uses links through its site to allow you to elect to contact us via e-mail. Although we will ask you to call or write to us about many topics we consider too sensitive to be done via e-mail, we do accept questions and welcome your comments and suggestions.


A cookie is a piece of information that a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single web site session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.

We may use cookies for a number of purposes -- for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, or to enable our servers to recognize your computer so that your preferences and/or authentication credentials can be recognized and so you do not have to provide this information every time you return to our web site.

Our cookies will track only your activity relating to your online activity on this web site, and will not track your other Internet activity. Our cookies do not gather personally identifiable information.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. Please visit our “How to manage cookies” page for more information. If you choose to disable cookies, this will currently have no impact on the way the site works but in the future any website developments may be affected.

We may occasionally use other companies to set cookies on our web sites and gather cookie information for us. In some cases we may also use another company to operate web servers for our web site. We use the cookie information gathered by these companies in the same manner as stated above.

In addition to cookies, we may also use other means of passively collecting non-personally identifiable data about your use of our web sites, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our web sites that enable us to track your usage of our web sites) and analyzing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our web sites). We only use clear GIFs and click stream data to gather anonymous data about your visit to our web sites. Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other anonymous unique information, such as your IP address, but the clear GIF will still account for an anonymous visit.

In addition to the information we collect from cookies, from clear GIFs, through the analysis of click stream data and any other means we may employ to collect non-personally identifiable information about you or your visits to our web sites, we may also obtain anonymous information which you provide to us online -- for example, when you use our tools and calculators.

We reserve the right to use and share aggregate and anonymous data (including data aggregated from you and other users of our web sites, tools and calculators) for any purpose and with any third parties, unless prohibited by law.

Combined Insurance is a trading name of Chubb European Group Limited registered number 1112892 and ACE Europe Life Limited registered number 5936400, each registered in England & Wales with registered offices at 100 Leadenhall Street London EC3A 3BP.  Combined Insurance’s general insurance products are provided by Chubb European Group Limited and its life assurance and permanent health products by ACE Europe Life Limited. Each company is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Full details can be found online at

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We use this address only to tell the recipient who sent the message. We do not save or re-use it in any way.