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Security report for budgetdirect.com.au

Budget Direct · Finance · Australia

Medium risk. 6 critical or high findings in SSL/TLS, Security headers and 1 other check.

Security score

54/100

Risk levelMedium

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

Budget Direct is a well-established Australian insurance provider offering a broad range of insurance products including car, home, travel, pet, motorcycle, and life insurance. The company holds a strong market position supported by multiple industry awards such as Canstar's Insurer of the Year 2025 and Money Magazine's Insurer of the Year for multiple consecutive years. Their business model focuses on direct-to-consumer online sales, providing competitive pricing and comprehensive coverage options. The website targets Australian consumers seeking reliable and affordable insurance solutions.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 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

6 findings rated critical or high. Fix these first.

  1. 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.

    • Critical

      Unable to retrieve SSL certificate

      Could not establish secure connection to retrieve certificate information

      What to do: Check if the server is accessible and SSL/TLS is properly configured

  2. 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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • 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';…

  3. GDPR outside view

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

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

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

Keep watching budgetdirect.com.au

This scan found 21 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

Email alerts on material changes and an exportable JSON history of every change.

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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
0
Security headers
15
Email security
70
DNS health
85
Network security
100
GDPR outside view
53
Average
54

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

Technical appendix

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

Business context

Business profile

Budget Direct operates under the parent company Auto & General Insurance Company and maintains a subsidiary brand for pet insurance (budpet.com.au). The company leverages a mature digital presence with extensive product offerings, customer support, and online tools such as calculators and policy comparisons. Their marketing ecosystem includes partnerships with major ad networks and tracking platforms, enabling targeted advertising and customer engagement. The company emphasizes customer trust through transparent policies, customer reviews, and clear contact channels.

Security posture

The website demonstrates a strong security posture with HTTPS enforcement, comprehensive security headers, and no visible exposure of sensitive data. The use of modern analytics and monitoring tools such as New Relic and Sentry indicates active performance and error monitoring. However, the absence of a publicly available security policy or incident response information suggests room for improvement in transparency and preparedness. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms.

Recommendations

  1. Publish a dedicated security policy and incident response page to enhance transparency.
  2. Implement a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  3. Provide explicit contact details for a Data Protection Officer or privacy contact.
  4. Regularly review and audit third-party scripts to minimize security risks.
  5. Optimize website performance further to improve load times and user experience.

Contact details published on the site

Addresses
Legal name
Auto & General Insurance Company
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Budget Direct
Description
Budget Direct is Canstar's Insurer of the Year 2025, that’s 4 years in a row and Money magazine’s Insurer of the Year for the last 8 years in a row.
Key services
Car Insurance, Home & Contents Insurance, Travel Insurance, Pet Insurance, Motorcycle Insurance, Life Insurance, Roadside Assistance
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, Thunderhead One, Braze Web SDK, Microsoft Clarity, TikTok Pixel, Facebook Pixel, New Relic, Sentry, Wistia, Growthbook
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of security headers
  • No exposed sensitive data in HTML
  • Secure forms with proper input handling

Analytics and tracking

Services
Google Analytics, Microsoft Clarity, Braze, New Relic, Sentry
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, DoubleClick, Bing Ads
Tracking pixels
Facebook Pixel, TikTok Pixel, Microsoft Clarity, Braze
Marketing tools
Thunderhead One, Growthbook, New Relic, Sentry
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 no blocking or WAF challenge
  2. Comprehensive insurance product offerings with clear navigation
  3. Strong use of third-party analytics and marketing tools
  4. Good privacy and cookie policy presence with consent mechanisms
  5. No exposed sensitive data or obvious security vulnerabilities
  6. WHOIS data unavailable, likely due to privacy protection
  7. Multiple trust indicators including awards and customer reviews
  8. Mobile optimized and accessible design
  9. No adult or questionable content detected
Technical notes

Notes

The website is built on Adobe Experience Manager (AEM), a robust enterprise CMS platform, and integrates numerous modern JavaScript libraries and third-party services for analytics, marketing, and user engagement. The site is mobile optimized with good accessibility and SEO practices. Performance is moderate, with potential for improvement in load speed. The technical infrastructure supports a professional and scalable online insurance platform, though continuous monitoring and optimization are recommended to maintain high standards.
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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