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Security report for if.lv

If P&C Insurance AS Latvijas filiāle · Finance · Latvia

Medium risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

74/100

Risk levelMedium

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

If P&C Insurance AS Latvijas filiāle operates a professional and comprehensive insurance website targeting private individuals and businesses in Latvia. The company offers a wide range of insurance products including auto (KASKO, OCTA), home, pet, travel, and health insurance, supported by a customer portal for policy and claims management. The website demonstrates a mature digital infrastructure with modern technologies such as jQuery, Microsoft Application Insights for telemetry, and OneTrust for cookie consent management, hosted on Microsoft Azure CDN. The site is well-optimized for mobile and accessibility, with clear navigation and multilingual support. Security posture is strong with HTTPS enforced and no visible vulnerabilities, although explicit security policies and incident response contacts are not published. Overall, the site reflects a trustworthy and established insurance provider with good compliance to privacy regulations.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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. 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

      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

  2. 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 if.lv

This scan found 18 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

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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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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
77
Security headers
70
Email security
85
DNS health
70
Network security
100
GDPR outside view
40
Average
74

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 holds a strong market position in the Latvian insurance sector, providing essential insurance products to both private and corporate clients. The business model focuses on direct online sales and claims processing, supported by digital customer engagement tools. The presence of sister sites in Lithuania and Estonia indicates a regional Baltic presence. The company leverages analytics and marketing tools to optimize user experience and advertising relevance. The website content and structure support a professional brand image with consistent messaging and trust signals such as social media presence and privacy compliance.

Security posture

The website exhibits a solid security posture with enforced HTTPS and integration of monitoring tools like Microsoft Application Insights. Cookie consent is managed via OneTrust with granular user controls, supporting GDPR compliance. No critical security headers were explicitly found in the HTML but are likely implemented server-side. No exposed sensitive data or vulnerable libraries were detected. However, the absence of a published security policy or incident response contact limits transparency. The site would benefit from publishing a vulnerability disclosure policy and enhancing visible security documentation to improve user trust and compliance.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and compliance.
  2. Add incident response contact information such as security@ or abuse@ email addresses.
  3. Implement and publicly link a vulnerability disclosure or security.txt file.
  4. Verify and explicitly include security headers like Content-Security-Policy and X-Frame-Options.
  5. Continue monitoring and updating third-party libraries to avoid vulnerabilities.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
If P&C Insurance AS Latvijas filiāle
Description
If Apdrošināšana privātpersonām – KASKO, OCTA, ceļojumu, veselības, īpašuma, mājdzīvnieku un citu veidu apdrošināšana. Parūpējies par sev svarīgo.
Key services
Auto KASKO insurance, OCTA insurance, Home insurance, Pet insurance, Travel insurance, Health insurance, Claims processing
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Microsoft Application Insights, OneTrust Cookie Consent, Puzzel Chatbot
Frameworks
Ids Web Components
Platforms
Azure CDN
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Application Insights for monitoring
  • Cookie consent with granular controls
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Microsoft Application Insights
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Microsoft Application Insights
Marketing tools
OneTrust Cookie Consent, Google Analytics (via GTM)
Transparency
good

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 challenges
  2. Comprehensive cookie consent mechanism implemented with OneTrust
  3. Clear business focus on insurance products for private and corporate clients
  4. Multiple language support (Latvian, Russian, English alternate links)
  5. Use of modern web technologies and analytics tools
  6. Contact information and social media links prominently provided
  7. No explicit security or incident response policies found on site
  8. No terms of service page clearly identified
Technical notes

Notes

The website uses a modern tech stack including jQuery, custom IDS web components, and Microsoft Azure hosting. Performance is moderate with preloading of fonts and images, and lazy loading techniques. SEO is well addressed with meta tags, Open Graph data, and structured navigation. Accessibility features such as ARIA labels and keyboard navigation aids are present. The CMS appears to be Episerver, supporting content management and search functionalities. The site integrates multiple third-party services for analytics, cookie consent, and chatbot support, indicating a mature digital ecosystem. Opportunities exist to improve performance optimization and security header visibility.
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

Earlier scans of this domain

  1. 72/100Medium25 findingsView report
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