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Security report for cavendishonline.co.uk

Cavendish Online · Finance · United Kingdom

Medium risk. 4 critical or high findings in SSL/TLS and Security headers.

Security score

70/100

Risk levelMedium

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

Cavendish Online is a UK-based online fee-based discount broker specializing in life insurance and related financial protection products. Positioned as a leading discount broker, it offers customers lower premiums through fixed fees or reduced commissions. The company operates under the regulatory oversight of the Financial Conduct Authority (FCA) and is part of Lloyds Banking Group, enhancing its market credibility. The website is professionally designed, mobile-optimized, and provides comprehensive information about its services, supported by strong trust signals such as expert endorsements and extensive customer reviews. Technically, the site employs modern analytics and marketing technologies, including Google Analytics, Klaviyo, and reCAPTCHA, ensuring robust user engagement and security. Security posture is strong with HTTPS enforcement and secure form handling, though some security headers could be improved. Privacy compliance is well addressed with clear policies and cookie consent mechanisms. Overall, the site demonstrates a mature digital presence with a high level of professionalism and trustworthiness.

Scanned

NIS2 and GDPR posture

GDPR outside view
100/ 100 · Low
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. 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
  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';…

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

Keep watching cavendishonline.co.uk

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  • 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
57
Security headers
20
Email security
75
DNS health
65
Network security
100
GDPR outside view
100
Average
70

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 cavendishonline.co.uk, from OffSeq Breach.

Total records
1
Employees
0
Customers
0
Third parties
1
Weak passwords
0%

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 cavendishonline.co.uk.

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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

The company targets UK consumers seeking life insurance and financial protection products, leveraging an online discount broker model that charges fixed fees or reduced commissions. Its market position is strong, supported by FCA regulation and affiliation with Lloyds Banking Group. The business offers a broad portfolio of insurance products, including life, critical illness, income protection, and related services like will writing and policy trusts. The website's content quality and branding consistency reinforce its professional image. The company uses multiple digital marketing and analytics tools to optimize customer acquisition and retention. The presence of subdomains for intermediaries and online quotes indicates a diversified service ecosystem. The business model focuses on transparency, value, and quality, appealing to cost-conscious consumers. Strategic partnerships and endorsements further enhance its competitive advantage.

Security posture

The website exhibits a solid security posture with mandatory HTTPS, use of Google reCAPTCHA on forms to prevent abuse, and no visible exposure of sensitive data. Security best practices include secure AJAX form submissions and cookie consent mechanisms. However, explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not clearly present and should be implemented to harden defenses against common web attacks. There is no public incident response or vulnerability disclosure policy, which could be improved to enhance transparency and readiness. The use of third-party scripts necessitates regular security audits to mitigate supply chain risks. Overall, the site is secure but could benefit from additional security header implementation and formal incident response documentation.

Recommendations

  1. Implement explicit Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options headers to strengthen security.
  2. Publish an incident response policy and provide dedicated security contact channels to improve transparency and preparedness.
  3. Regularly audit and update third-party scripts and libraries to mitigate vulnerabilities.
  4. Enhance privacy compliance by detailing data retention policies and user data handling practices.
  5. Consider adding a security.txt file to facilitate responsible vulnerability disclosure.

Contact details published on the site

Addresses
Legal name
Cavendish Online, part of Lloyds Banking Group
Registration number
04045709
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Cavendish Online
Description
Cavendish Online is the UK's leading online fee-based discount broker of financial services products. We provide our customers with the best value life insurance online.
Key services
Life Insurance, Critical Illness Insurance, Income Protection, Whole Life Insurance, Health Insurance, Mortgage Life Insurance, Joint Life Insurance, Family Life Insurance, Business Protection, Over 50s Life Insurance
Content quality
excellent
Branding
consistent

Technology

Stack
Google Analytics, Google Tag Manager, Google reCAPTCHA, Klaviyo (marketing automation), jQuery, Owl Carousel, BOOMR (Akamai Real User Monitoring), Cloudfront CDN
Frameworks
Evosite Core 2.51.21
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA on forms
  • No exposed sensitive data in HTML
  • Secure form submissions with AJAX
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Analytics, Google Tag Manager, Hotjar, Klaviyo
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google DoubleClick
Tracking pixels
Klaviyo, Trustpilot
Marketing tools
Klaviyo, Hotjar
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and fully functional.
  2. Strong presence of trust signals including FCA regulation and expert endorsements.
  3. Comprehensive product and service offerings related to life insurance and financial protection.
  4. Multiple contact channels including phone and callback request forms.
  5. Use of modern analytics and marketing tools with cookie consent implemented.
  6. No signs of adult or inappropriate content.
  7. WHOIS data query error due to incorrect domain format but no indication of malicious intent.
Technical notes

Notes

The website is built on the Evosite Core CMS platform and leverages a modern technology stack including Google Analytics, Google Tag Manager, Klaviyo for marketing automation, and Akamai's BOOMR for real user monitoring. Hosting is supported by Amazon Cloudfront CDN, ensuring fast content delivery and good performance. The site is mobile-optimized with responsive design and uses accessible navigation structures. SEO is well addressed with proper meta tags and structured data in JSON-LD format. The use of asynchronous and deferred script loading optimizes page load times. The technical infrastructure is robust and supports a high-quality user experience, though there is room for improvement in security header implementation and formal vulnerability disclosure mechanisms.
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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