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Security report for arag.de

ARAG Allgemeine Versicherungs-AG · Finance · Germany

Low risk. 4 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

76/100

Risk levelLow

0–100, higher is better. How it is calculated

ARAG Allgemeine Versicherungs-AG is Germany's largest family-owned insurance company, offering a broad portfolio of insurance products including legal protection, health, liability, travel, home, pet, and commercial insurance. The website reflects a mature, well-established business with over 90 years of market presence and a strong customer base exceeding 12 million. The company emphasizes tailored insurance solutions and customer service accessibility through multiple channels including online portals, live chat, and local advisors. The site is professionally designed, mobile-optimized, and rich in content relevant to its target audience of private and commercial insurance customers in Germany. Technical infrastructure incorporates modern web technologies, consent management, and analytics tools, indicating a digitally mature organization. Security posture is strong with HTTPS, consent mechanisms, and reputable third-party integrations, though explicit security policies and vulnerability disclosure mechanisms are not publicly detailed. Overall, ARAG's website demonstrates high professionalism, trustworthiness, and compliance with privacy regulations, supporting its market leadership and customer trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
73/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

4 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…
  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  3. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching arag.de

This scan found 19 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

Daily monitoring

Recommended

€25per month

  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
77
Security headers
45
Email security
85
DNS health
75
Network security
100
GDPR outside view
73
Average
76

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention arag.de, from OffSeq Breach.

Total records
1,735
Employees
0
Customers
1,728
Third parties
7
Weak passwords
6%

7 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for arag.de.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

ARAG operates in the finance sector specializing in insurance products with a focus on legal protection. Its business model centers on providing comprehensive insurance coverage to individuals, families, businesses, and associations. The company leverages its long-standing reputation and family-owned status as competitive advantages. Revenue streams are diversified across multiple insurance lines. The target customer segments include private individuals, families, commercial enterprises, and clubs or associations. The company maintains a strong partnership ecosystem, including subsidiaries like ARAG Krankenversicherungs-AG and career-related domains. Growth indicators include digital service offerings such as online portals and live chat support. Strategic observations highlight ARAG's emphasis on customer service, digital transformation, and brand trust through certifications and customer ratings.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, use of consent management tools (Usercentrics), and integration of reputable analytics and optimization services (Google Tag Manager, VWO). No critical vulnerabilities or exposed sensitive data were detected in the HTML content. Security headers are likely configured though not explicitly visible in the HTML. The absence of a public security policy or incident response contact is a minor gap. No security.txt or vulnerability disclosure page was found, which could enhance transparency and security culture. Overall, the site aligns well with GDPR compliance and best practices for user data protection. Incident response readiness and explicit security frameworks are not publicly documented, suggesting room for improvement in security communication.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and frameworks.
  2. Implement and publicize a security.txt file to facilitate vulnerability disclosures.
  3. Enhance HTTP security headers visibility and audit third-party scripts regularly.
  4. Provide explicit incident response contact channels for security issues.
  5. Continue to maintain and update consent management and privacy compliance mechanisms.

Contact details published on the site

Addresses
Legal name
ARAG Allgemeine Versicherungs-AG
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ARAG Allgemeine Versicherungs-AG
Description
Als Deutschlands größte Versicherung in Familienbesitz bieten wir Ihnen maßgeschneiderten Versicherungsschutz für Ihre individuellen Bedürfnisse.
Key services
Rechtsschutzversicherung (Legal protection insurance), Private Krankenversicherung (Private health insurance), Haftpflichtversicherung (Liability insurance), Reiseversicherung (Travel insurance), Hausratversicherung (Household insurance), Tierversicherung (Pet insurance), Gewerbeversicherung (Commercial insurance), Vereinsversicherung (Club insurance)
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Usercentrics Consent Management, Visual Website Optimizer (VWO), RealPerson Chat, JavaScript ES6 modules, Custom fonts (woff2), Lazy loading images
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Consent management for cookies
  • No exposed sensitive data in HTML
  • Secure forms with validation
  • Use of reputable third-party scripts

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Visual Website Optimizer (VWO)
Marketing tools
Usercentrics Consent Manager, Visual Website Optimizer
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with rich content and no blocking detected.
  2. Strong presence of trust signals including certifications and customer ratings.
  3. Comprehensive navigation covering multiple insurance product lines.
  4. Use of modern web technologies and consent management.
  5. Clear contact information and multiple customer service channels.
  6. No signs of suspicious or malicious content.
Technical notes

Notes

The website uses a custom or proprietary CMS with modern front-end technologies including ES6 JavaScript modules, lazy loading images, and custom fonts. It integrates Google Tag Manager for analytics and Usercentrics for consent management, indicating compliance with privacy regulations. Visual Website Optimizer is used for A/B testing and optimization. RealPerson chat modules provide live chat support. The site is mobile-optimized with responsive design and accessibility features such as skip links and ARIA labels. Performance is fast with preloading of critical assets. No major technical debt or outdated technologies were detected. Hosting provider details are not explicitly disclosed. Overall, the technical infrastructure supports a high-quality user experience and robust digital presence.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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