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Security report for nac.co.nz

NAC Insurance · Finance · New Zealand

Medium risk. 6 critical or high findings in SSL/TLS, GDPR outside view and 1 other check.

Security score

68/100

Risk levelMedium

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

NAC Insurance is a New Zealand-based insurance provider specializing in modified vehicle insurance, including car and motorbike coverage. The company targets vehicle owners such as modified car enthusiasts, young drivers, and tourists. It operates as a division of IAG New Zealand Limited, a well-established parent company, and holds recognized industry certifications such as the Fair Insurance Code and an AA financial strength rating. The website announces the brand's closure at the end of 2025, indicating a long operational history of approximately 18 years. Technically, the website is built on Adobe Experience Manager, leveraging modern technologies including Akamai CDN and performance monitoring tools like Boomerang. The site is well-optimized for mobile and SEO, with good design quality and user experience. Security posture is solid with HTTPS enforced and no visible vulnerabilities, though explicit security headers are not detected. Privacy compliance is weak due to the absence of a privacy policy and cookie consent mechanism. Overall, the website presents a professional and trustworthy front supported by a reputable parent company. However, the lack of WHOIS data and privacy documentation slightly reduces trustworthiness. There are no indications of malicious content or blocking mechanisms, and the site is safe for general audiences.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 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

6 findings rated critical or high. Fix these first.

  1. 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

  2. GDPR outside view

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

    • 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

  3. 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"

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

Keep watching nac.co.nz

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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
50
Average
68

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

NAC Insurance occupies a niche market within New Zealand's insurance sector, focusing on modified vehicle insurance products. Its competitive advantage lies in specialized coverage options for unique vehicle types and driver profiles, supported by the financial strength and backing of IAG New Zealand Limited. The business model centers on direct insurance provision with customer support facilitated through an external help portal. Revenue streams likely include premiums from car and motorbike insurance policies and associated services like roadside assistance. The company targets a medium-sized market segment of vehicle owners requiring specialized insurance. Strategic partnerships with IAG and adherence to industry codes enhance market credibility. The announced closure in 2025 may impact future growth and customer retention strategies.

Security posture

The website demonstrates a mature security posture with HTTPS enforced and no exposed sensitive data in the HTML content. Use of deferred and asynchronous scripts indicates performance-conscious security practices. However, the absence of explicit security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options suggests room for improvement. No incident response or vulnerability disclosure information is provided, which could hinder timely security issue reporting. Privacy compliance is lacking, with no visible privacy or cookie policies, potentially exposing the company to regulatory risks. Overall, the security maturity is good but could be enhanced by formalizing policies and implementing additional HTTP security headers.

Recommendations

  1. Publish a comprehensive privacy policy and cookie consent mechanism to improve privacy compliance and user trust.
  2. Implement and configure security headers including CSP, HSTS, and X-Frame-Options to strengthen site security.
  3. Provide clear incident response and vulnerability disclosure contact information to facilitate security issue reporting.
  4. Investigate and resolve the missing WHOIS data to improve domain registration transparency and trustworthiness.
  5. Maintain and update website content to reflect the upcoming brand closure and assist customers with transition information.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
NAC Insurance
Description
NAC Insurance provides insurance coverage for modified cars, high performance bikes, young drivers, and tourists in New Zealand. It offers car and motorbike insurance with various cover options, roadside assistance, and payment options.
Key services
Car Insurance, Motorbike Insurance, Roadside Assistance, Claims processing, Payment options
Content quality
good
Branding
consistent

Technology

Stack
Adobe Helix RUM, Vidyard video embed, AEM (Adobe Experience Manager) client libraries, Akamai CDN, Boomerang performance monitoring
Frameworks
Adobe Experience Manager
Platforms
Web
Performance
fast
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of deferred and async scripts

Analytics and tracking

Services
Boomerang
Tracking level
minimal
Privacy practices
poor

Advertising

Tracking pixels
Adobe Helix RUM, Boomerang
Marketing tools
Vidyard video embed, Boomerang performance 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 challenge.
  2. No privacy or cookie policy found on main site.
  3. Terms of Use page is present and linked in footer.
  4. Contact information includes phone numbers and links to external customer help portal.
  5. Website uses modern Adobe Experience Manager CMS and Akamai CDN.
  6. Security headers not explicitly detected in provided data.
  7. No forms detected in HTML content; contact is via external help portal.
  8. No email addresses found in HTML content.
  9. Website announces closure at end of 2025.
  10. Strong trust signals from parent company IAG and insurance industry certifications.
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS, and leverages Akamai CDN for content delivery, ensuring fast load times and global reach. Performance monitoring is implemented via Boomerang and Adobe Helix RUM, indicating a focus on user experience optimization. The site is mobile responsive with good accessibility and SEO practices. No broken elements or errors were detected in the HTML content. However, the lack of explicit security headers and privacy documentation suggests technical debt in security and compliance areas. The absence of WHOIS data may indicate domain registration issues or NZ domain privacy policies limiting public WHOIS 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

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