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Security report for fgaromania.ro

Fondul de Garantare a Asiguraților · Government · Romania

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

65/100

Risk levelMedium

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

Fondul de Garantare a Asiguraților is a Romanian public legal entity dedicated to guaranteeing insurance claims and managing insurance-related compensations. It serves insured individuals, claimants, and insurance contributors primarily within Romania. The organization operates a digital presence via a WordPress-based website that provides information, forms, and portals for claim submissions and status tracking. The website is well-structured, professionally designed, and offers clear contact information, reinforcing its role as a trusted government-backed institution. Technically, the site leverages modern web technologies including WordPress, Elementor, Bootstrap, and various JavaScript libraries, ensuring a responsive and user-friendly experience. Security posture is adequate with HTTPS enforced and use of reCAPTCHA, though improvements in security headers and explicit cookie consent mechanisms are recommended. The absence of WHOIS data is due to ROTLD privacy policies and does not detract from the site's legitimacy. Overall, the website reflects a mature digital infrastructure supporting a critical public service with moderate risk and good compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
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

7 findings rated critical or high. Fix these first.

  1. GDPR outside view

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

    • Critical

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • 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

    • 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

  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 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';…

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  • TLS certificates and expiry
  • DNS records
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  • 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
67
Security headers
70
Email security
70
DNS health
70
Network security
100
GDPR outside view
10
Average
65

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

The organization holds a strong market position as the official insurance guarantee fund in Romania, operating under public law. Its business model focuses on managing insurance claims and providing guarantees to insured parties. The website supports this by offering online forms for claim initiation, payment requests, and public communications. Partnerships include membership in the International Forum of Insurance Guarantee Schemes, enhancing credibility and international cooperation. The target audience includes insured individuals, insurance companies, and the general public seeking information or assistance with insurance claims. The site’s content and structure indicate a medium-sized entity with a focused government mandate, emphasizing transparency and service delivery. Growth indicators include active communication channels and digital portals for streamlined claim processing.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enabled and use of Google reCAPTCHA to protect forms from abuse. However, the lack of explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options suggests room for improvement in defense-in-depth strategies. No vulnerabilities or exposed sensitive data were detected in the HTML content. The absence of a security.txt file or dedicated vulnerability disclosure page limits transparency in incident response readiness. GDPR compliance is partially addressed through a comprehensive privacy policy, but cookie consent mechanisms are missing. Overall, the security posture is adequate for a government service website but would benefit from enhanced header configurations and formalized incident response disclosures.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen browser security.
  2. Add a visible cookie policy and consent banner to improve GDPR compliance and user transparency.
  3. Establish and publish a security.txt file or dedicated vulnerability disclosure page to facilitate responsible reporting and incident response.
  4. Regularly audit and update WordPress core, themes, and plugins to mitigate risks from outdated components.
  5. Enhance accessibility features to improve usability for all users and comply with accessibility standards.

Contact details published on the site

Addresses
Legal name
Fondul de Garantare a Asiguraților
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Fondul de Garantare a Asiguraților
Description
Fondul de Garantare a Asiguraților is a public legal entity established under Romanian law to guarantee insurance claims. It provides services related to insurance claim handling, payment requests, and public communication regarding insurance guarantee schemes.
Key services
Opening insurance claim files, Processing payment requests for damages and premium refunds, Providing information on insurance companies in insolvency, Public communication and reporting
Content quality
good
Branding
consistent

Technology

Stack
WordPress, PHP, jQuery, Bootstrap, Elementor, Slider Revolution, Font Awesome, Google Fonts, Popup Maker
Frameworks
WordPress CMS, Elementor page builder
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA for forms
  • No exposed sensitive data in HTML

Analytics and tracking

Services
WP Statistics
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
WP Statistics
Marketing tools
Popup Maker
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenge.
  2. Content is professionally presented and relevant to insurance guarantee services.
  3. No privacy or cookie policy banner detected, which could be improved for GDPR compliance.
  4. WHOIS data is not publicly available due to ROTLD privacy restrictions.
  5. Use of modern WordPress technologies and plugins indicates active maintenance.
  6. Contact information is clearly presented with phone numbers and physical address.
  7. No visible security.txt or vulnerability disclosure page found.
  8. Social media presence limited to Facebook.
  9. No email addresses explicitly found in the HTML content.
Technical notes

Notes

The website is built on WordPress CMS with Elementor page builder and uses a variety of modern front-end libraries such as Bootstrap, jQuery, and Font Awesome. It integrates third-party services like Google Fonts and Google reCAPTCHA for enhanced user experience and security. Performance is moderate with standard optimization practices; mobile responsiveness is good. The site lacks some advanced SEO and accessibility features but maintains a clear navigation structure and professional design. Hosting provider details are not explicitly available. The technical stack is typical for a government service website, balancing ease of content management with user engagement and security considerations.
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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