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Security report for if.lt

If P&C Insurance AS filialas · Finance · Lithuania

Partial score · DNS & email only

64/100

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

If P&C Insurance AS filialas operates the website if.lt, providing a wide range of insurance products including automobile, home, pet, travel, personal, and business insurance primarily targeting private individuals and businesses in Lithuania. The company is positioned as a leading insurance provider in the Baltic region, offering online services and customer self-service portals. The website is well-branded and provides comprehensive information about insurance products and customer support. Technically, the site uses a mix of technologies including jQuery, Microsoft Application Insights, OneTrust for cookie consent, and Google Tag Manager, hosted on Microsoft Azure DNS infrastructure. However, the website suffers from a critical security issue due to the absence of a valid SSL certificate and lack of modern TLS protocol support, which undermines secure communications and user trust. The site demonstrates good GDPR compliance with detailed privacy and cookie policies and active consent mechanisms. Performance is slow with a high page load time and large page size, but mobile optimization and accessibility are well addressed. Overall, the security posture requires urgent improvement to protect user data and maintain trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 100 · Critical
Checks completed
6of 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

5 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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

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

Keep watching if.lt

This scan found 13 issues across 5 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

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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
50
Email security
85
DNS health
85
Network security
100
GDPR outside view
0
Average
64

Not counted

  • Security headers: did not complete in this scan.
  • 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 if.lt, from OffSeq Breach.

Total records
15
Employees
0
Customers
15
Third parties
0
Weak passwords
7%

2 subdomains affected

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 if.lt.

Select it in the checkout above.

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

If P&C Insurance AS filialas is a large insurance entity serving the Baltic market with a comprehensive portfolio of insurance products for both private and business customers. The business model focuses on direct online sales and customer self-service, supported by a strong digital presence and integration with partner sites such as mano.if.lt. The company leverages social media channels for customer engagement and brand building. Growth indicators include active marketing and promotions, such as discounts on automobile insurance and mobile app offerings. The partnership ecosystem includes sister sites in Estonia and Latvia, enhancing regional market coverage. Strategic observations highlight the importance of digital transformation and customer-centric services in maintaining competitive advantage in the insurance sector.

Security posture

The current security maturity level of if.lt is moderate but with significant gaps. The absence of a valid SSL certificate and disabled TLS protocols represent critical vulnerabilities that expose users to potential data interception and man-in-the-middle attacks. While SPF and DMARC records are properly configured to protect email integrity, the lack of HTTPS undermines overall security. GDPR compliance is well implemented with clear privacy and cookie policies and user consent mechanisms. Incident response and security policy documentation are not evident on the site, indicating potential gaps in formal security governance. The site does not implement advanced security headers or mechanisms such as HSTS or OCSP stapling. The security culture appears focused on compliance but lacks technical robustness. Immediate remediation of SSL/TLS issues and enhancement of security headers are recommended to elevate security posture.

Recommendations

  1. Install and maintain a valid SSL/TLS certificate to enable HTTPS and secure user communications.
  2. Enable modern TLS protocols (TLS 1.2 or TLS 1.3) and disable insecure legacy protocols to protect data in transit.
  3. Implement HTTP Strict Transport Security (HSTS) with preload to enforce secure connections.
  4. Enable OCSP stapling and session resumption to improve certificate validation and performance.
  5. Publish a clear security policy and incident response plan accessible to users to enhance transparency and preparedness.
Technical notes

Notes

The website infrastructure is hosted on Microsoft Azure DNS with a CMS likely based on Episerver, indicated by specific script paths. The technology stack includes jQuery for DOM manipulation, Microsoft Application Insights for telemetry, Google Tag Manager for analytics, and OneTrust for GDPR-compliant cookie consent management. The site uses multiple external resources and CDNs for performance optimization but suffers from slow load times and a large page size, indicating potential for optimization. Mobile responsiveness and accessibility are well implemented, supporting a good user experience. However, the lack of SSL/TLS security is a critical technical risk that could impact business operations and user trust. Modernizing the security infrastructure and optimizing performance would significantly improve the technical maturity of the site.
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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