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Security report for lanterninsurance.co.nz

Lantern Insurance · Finance · New Zealand

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

70/100

Risk levelMedium

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

Lantern Insurance is a New Zealand-based insurance provider offering a range of insurance products including home, contents, car, small business, motorcycle, boat insurance, and roadside assistance. It operates as a division of IAG New Zealand Ltd, a well-established insurance group with a strong financial rating (AA). The website is professionally designed, leveraging Adobe Experience Manager CMS and modern web technologies, providing a good user experience with clear navigation and mobile optimization. The business targets New Zealand residents seeking insurance coverage with a focus on premium products underwritten by NZI. Security posture is solid with HTTPS and no visible vulnerabilities, though some improvements in security headers and privacy compliance are recommended. The absence of WHOIS data for the domain is a notable anomaly but does not detract significantly from the overall trust due to the strong brand association. Overall, the website is a credible and professional digital presence for Lantern Insurance.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 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

5 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"

    • 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';…
  2. GDPR outside view

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

    • 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

  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 SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching lanterninsurance.co.nz

This scan found 21 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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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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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
80
Security headers
25
Email security
85
DNS health
70
Network security
100
GDPR outside view
58
Average
70

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

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 lanterninsurance.co.nz, from OffSeq Breach.

No leaked records found

Breach holds no records for lanterninsurance.co.nz right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Lantern Insurance benefits from its affiliation with IAG New Zealand Ltd, leveraging the parent company's financial strength and market presence. The business model focuses on providing insurance products through a digital brochureware platform with customer support facilitated via linked service domains. The company targets a broad customer base in New Zealand, including homeowners, vehicle owners, and small businesses. The website's integration with customer help portals and clear call-to-actions for quotes and claims indicate a customer-centric approach. The market position is strengthened by adherence to the Fair Insurance Code and a very strong financial rating, which are key trust factors in the insurance sector.

Security posture

The website employs HTTPS and uses deferred and asynchronous loading of scripts to optimize performance and security. However, no explicit security headers such as Content-Security-Policy or X-Frame-Options were detected, which are recommended best practices. There is no visible security or incident response policy published, nor are there dedicated security contact channels. The site does not display cookie consent mechanisms, which may impact privacy compliance. No vulnerabilities or exposed sensitive data were found in the HTML content. Overall, the security posture is good but could be enhanced with additional headers and privacy controls.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Add a cookie consent banner and detailed cookie policy to improve privacy compliance.
  3. Publish a security policy and incident response contact information to enhance transparency and trust.
  4. Investigate and resolve the missing WHOIS data issue to improve domain legitimacy and trustworthiness.
  5. Regularly audit third-party scripts and tracking services to ensure no vulnerabilities or privacy risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Lantern Insurance
Description
Lantern offers premium insurance from NZI including home, contents, car, small business, motorcycle, boat, and roadside assist insurance.
Key services
Home Insurance, Contents Insurance, Car Insurance, Small Business Insurance, Motorcycle Insurance, Boat Insurance, Roadside Assist
Content quality
good
Branding
consistent

Technology

Stack
Adobe Helix RUM, Chromade Design System, Bootstrap (implied by data-bs attributes), Vidyard video embed, Boomerang Real User Monitoring, JavaScript ES6+
Frameworks
Adobe Experience Manager (AEM)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of deferred and async scripts

Analytics and tracking

Services
Boomerang Real User Monitoring
Tracking level
minimal
Privacy practices
basic

Advertising

Tracking pixels
Boomerang Real User Monitoring
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 challenges.
  2. Content is professionally presented with clear insurance product offerings.
  3. No email addresses explicitly listed on the site; contact primarily via phone and forms.
  4. No cookie consent banner or explicit cookie policy found.
  5. WHOIS data for the domain is missing, which is unusual and warrants further investigation.
  6. Site uses modern web technologies and Adobe Experience Manager CMS.
  7. Strong trust signals from association with IAG and adherence to Fair Insurance Code.
Technical notes

Notes

The website is built on Adobe Experience Manager CMS, utilizing modern JavaScript libraries and asynchronous script loading for performance. It integrates third-party services such as Vidyard for video embedding and Boomerang for real user monitoring analytics. The site is mobile responsive with good SEO practices including meta tags and Open Graph data. Performance is moderate with room for optimization. Accessibility features are basic but present. The technical infrastructure is solid and supports a professional insurance service platform.
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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