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Security report for groupama.hr

Groupama osiguranje d.d. · Finance · Croatia

Medium risk. 9 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

60/100

Risk levelMedium

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

Groupama osiguranje d.d. is a Croatian insurance company operating as part of the larger French Groupama Group. The company offers a broad range of insurance products including life, motor vehicle, health, and property insurance, targeting both individual and corporate clients in Croatia. The website reflects a professional and consistent brand image aligned with its parent company. Technically, the site uses a combination of established front-end frameworks and libraries such as Bootstrap, jQuery, and Google Analytics for tracking, with a moderate performance profile and good mobile optimization. Security-wise, the site enforces HTTPS and implements cookie consent mechanisms, but lacks visible advanced security headers and explicit security policies. Overall, the domain registration and WHOIS data support the legitimacy of the business. The site is safe for general audiences and does not contain any adult or questionable content.

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

9 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

  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 groupama.hr

This scan found 24 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.

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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
67
Security headers
15
Email security
85
DNS health
85
Network security
100
GDPR outside view
10
Average
60

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 company is positioned as a medium-sized insurance provider in Croatia, leveraging the reputation and resources of the Groupama Group. Its business model focuses on providing comprehensive insurance solutions to individuals and businesses. The website content and news sections indicate active engagement in community and corporate social responsibility activities. The lack of explicit contact details on the main page suggests a possible reliance on branch offices or partner networks for direct client interaction. The presence of a LinkedIn profile supports professional networking and brand presence. The company appears to be growing, with recent domain registration and expansion of regional centers.

Security posture

The website demonstrates a baseline security posture with HTTPS enabled and cookie consent implemented, indicating compliance with GDPR requirements. Client-side form validation and localStorage usage enhance user experience but require careful security controls to prevent data leakage. The absence of security headers such as Content-Security-Policy or X-Frame-Options is a gap that could be addressed to improve protection against common web attacks. No incident response or vulnerability disclosure information is publicly available, which could be improved to enhance transparency and trust. Overall, the security posture is adequate but could benefit from enhancements in headers and published policies.

Recommendations

  1. Implement and publish a comprehensive security policy including incident response contacts.
  2. Add security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to harden the website.
  3. Publish a security.txt file to facilitate vulnerability reporting.
  4. Enhance accessibility features to meet higher compliance standards.
  5. Consider adding visible and verified contact information to improve user trust and support.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Groupama osiguranje d.d.
Description
Groupama osiguranje d.d. is an insurance company offering life and non-life insurance products in Croatia. It is part of the Groupama Group, a leading French insurance group. The company provides a range of insurance services including motor vehicle insurance, health insurance, property insurance, and life insurance.
Key services
Life insurance, Non-life insurance, Motor vehicle insurance, Health insurance, Property insurance
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap 3.2.0, jQuery, Google Analytics, Google Tag Manager, Flatpickr, Font Awesome, Ionicons, Slick Carousel, jQuery UI, Lightcase
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism implemented
  • Form validation with jQuery Validate
  • LocalStorage used with expiration for form data

Analytics and tracking

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

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and maintained.
  2. Clear cookie consent mechanism is implemented.
  3. No explicit contact emails or phone numbers found in the HTML content.
  4. Multiple forms with client-side validation and localStorage support for user convenience.
  5. Use of modern JavaScript libraries and CSS frameworks.
  6. No visible security.txt or explicit security policy pages.
  7. WHOIS data supports legitimacy and business alignment.
  8. Social media presence limited to LinkedIn.
  9. No signs of suspicious or malicious content.
Technical notes

Notes

The website uses a mature and stable technology stack with Bootstrap 3.2.0, jQuery, and various UI libraries. Google Analytics and Tag Manager are used for analytics and marketing tracking. The site is hosted by Plus Hosting Grupa d.o.o., consistent with the WHOIS data. Performance is moderate with room for optimization. The site is mobile responsive and uses modern date pickers and lightbox galleries. There is no indication of a CMS, suggesting a custom or proprietary platform. The use of localStorage for form data persistence is a user-friendly feature but requires secure handling. Overall, the technical implementation is solid but could be modernized with newer frameworks and enhanced security practices.
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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