Skip to main content

Security report for gio.com.au

GIO · Finance · Australia

Low risk. 3 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

79/100

Risk levelLow

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

GIO is a well-established Australian insurance provider offering a broad range of insurance products including car, home, business, and compulsory third-party insurance. The company operates under the Suncorp Group umbrella and targets both individual consumers and businesses within Australia. Their website reflects a mature digital presence with comprehensive product information, customer self-service options, and strong branding consistency. The site is designed to facilitate easy access to quotes, claims, and policy management, supporting a customer-centric business model focused on convenience and trust. Technically, the website leverages modern web technologies including Adobe Experience Manager CMS, Material-UI components, and integrates multiple analytics and marketing tools such as Adobe Analytics, Google Tag Manager, and Facebook Pixel. The site is mobile-optimized, accessible, and performs moderately well, indicating a robust digital infrastructure. Security practices include HTTPS enforcement, multi-factor authentication for account protection, and no visible exposure of sensitive data, although explicit security policies and incident response contacts are not prominently published. Overall, the security posture is strong with good adherence to privacy and cookie policies, reflecting compliance with GDPR and Australian privacy regulations. The domain registration is privacy-protected but consistent with legitimate business practices. No critical vulnerabilities or suspicious patterns were detected. The website is safe for general audiences and maintains high trustworthiness through transparent policies and professional content. Strategic recommendations include publishing a dedicated security policy and incident response information, enhancing transparency around vulnerability disclosures, and continuous monitoring of third-party scripts to mitigate potential risks. These steps will further strengthen customer trust and regulatory compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 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

3 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"

  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 gio.com.au

This scan found 17 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

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
72
Security headers
65
Email security
85
DNS health
85
Network security
100
GDPR outside view
68
Average
79

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

GIO holds a significant position in the Australian insurance market as part of the Suncorp Group. Their competitive advantage lies in a wide product portfolio, strong brand recognition, and a customer-focused digital platform. Revenue streams are primarily from insurance premiums across personal and commercial lines. The target customer segments include private vehicle owners, homeowners, small to medium businesses, and employers requiring workers compensation. Growth indicators include digital self-service enhancements and multi-channel marketing strategies. Partnerships with repair networks and disability sports organizations enhance brand reputation and community engagement. Operationally, GIO demonstrates a mature ecosystem with integrated online services and customer support, positioning it well for sustained market presence.

Security posture

The website exhibits a mature security posture with enforced HTTPS, multi-factor authentication options, and no evident exposure of sensitive information in the HTML content. The use of reputable analytics and tag management platforms is balanced with privacy compliance measures including cookie consent and detailed privacy policies. However, the absence of a publicly accessible security policy and incident response contact details represents a gap in transparency. No vulnerabilities or outdated libraries were detected in the provided content. The security culture appears proactive but could benefit from enhanced communication of security practices and vulnerability disclosure mechanisms to build further trust and readiness.

Recommendations

  1. Publish a comprehensive security policy page detailing security controls and practices.
  2. Provide clear incident response contact information for security issues and abuse reports.
  3. Implement and publicize a vulnerability disclosure program or security.txt file.
  4. Regularly audit and update third-party scripts and libraries to mitigate vulnerabilities.
  5. Enhance transparency around data retention and privacy compliance to reassure users.

Contact details published on the site

Addresses
Legal name
AAI Limited ABN 48 005 297 807 trading as GIO
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
GIO
Description
GIO is a leading provider of insurance products such as: car, home, CTP in NSW and ACT, boat, caravan, travel, commercial, public liability and workers compensation
Key services
Car Insurance, Home Insurance, Business Insurance, CTP Insurance, Workers Compensation, Public Liability
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, jQuery, Adobe Analytics, Google Tag Manager, Facebook Pixel, Ensighten Tag Management, React (Mui components), Lazy loading images
Frameworks
Adobe Experience Manager (AEM), Material-UI (Mui)
Platforms
Web
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Multi-factor authentication offered
  • No exposed sensitive data in HTML
  • Secure login and payment pages
  • Use of Adobe and Google analytics with consent

Analytics and tracking

Services
Adobe Analytics, Google Analytics, Google Tag Manager, Facebook Analytics
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Google Ads, Facebook Ads, Adgile Media
Tracking pixels
Facebook Pixel, Spotify Pixel, Adobe Analytics
Marketing tools
Adobe Analytics, Ensighten Tag Management
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 well maintained
  2. Comprehensive insurance product offerings
  3. Strong branding and consistent messaging
  4. Good use of modern web technologies and analytics
  5. Privacy and cookie policies are clearly presented
  6. No signs of malicious or suspicious content
  7. No WHOIS data leakage or suspicious registration patterns
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, utilizing Material-UI React components for UI consistency. It integrates multiple analytics and marketing tools including Adobe Analytics, Google Tag Manager, and Facebook Pixel, indicating a sophisticated data collection and marketing infrastructure. The site is mobile responsive with good accessibility features and SEO optimization. Performance is moderate, likely influenced by the number of third-party scripts and rich content. Technical risks include dependency on multiple external domains and scripts which require ongoing security monitoring. The infrastructure appears modern and scalable, supporting a large enterprise insurance business with complex product offerings and customer interactions.
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

Reviews of this site

Share your experience with gio.com.au. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review gio.com.au.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.