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Security report for nemforsikring.dk

Nem forsikring · Insurance · Denmark

Low risk. 5 critical or high findings in GDPR outside view and Security headers.

Security score

77/100

Risk levelLow

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

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

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 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: Facebook, LinkedIn

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

  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 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 nemforsikring.dk

This scan found 14 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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Full report

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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
100
Security headers
75
Email security
85
DNS health
75
Network security
100
GDPR outside view
25
Average
77

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

Gjensidige holds a strong market position in the Danish insurance sector, leveraging a large customer base and diversified insurance offerings. Their business model focuses on direct customer engagement through digital channels complemented by advisory services. The company benefits from positive customer feedback as evidenced by a high Trustpilot rating. Partnerships with travel insurance providers and news agencies enhance their service ecosystem. The website content and structure support customer acquisition and retention through clear product segmentation and self-service capabilities. Gjensidige's operations reflect a mature insurance business with a focus on trust, compliance, and customer-centric services.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, secure data collection forms, and no visible exposure of sensitive information. However, the absence of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms indicates room for improvement in transparency and preparedness. The use of consent management tools aligns with GDPR requirements, but additional security headers could enhance protection against common web threats. Overall, the security measures are adequate for the business type but could be strengthened to meet best practices and regulatory expectations fully.

Recommendations

  1. Publish a dedicated security policy and incident response contact information to improve transparency and customer trust.
  2. Implement and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  3. Add security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to enhance web security.
  4. Continue to monitor and update third-party scripts and libraries to avoid vulnerabilities.
  5. Enhance data retention policy disclosures related to analytics and tracking to improve privacy compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Gjensidige
Description
Gjensidige is an insurance company serving over 500,000 Danes, offering a wide range of insurance products including car, health, travel, home, and accident insurance. They emphasize customer trust and provide online services for quotes and claims.
Key services
Car insurance, Health insurance, Travel insurance, Home insurance, Accident insurance, Business insurance, Agricultural insurance
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, JSON-LD, CSS, SVG
Frameworks
Builders Platform
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Secure forms with proper labeling

Analytics and tracking

Services
Tealium
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Tealium (utag.js)
Marketing tools
Usercentrics (consent management)
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible and professionally designed
  2. Strong presence of trust signals including high Trustpilot rating
  3. Comprehensive insurance product offerings for private, business, and agricultural customers
  4. Good privacy and cookie policy implementation with consent management
  5. No explicit security policy or incident response contact found
  6. Use of modern JavaScript and consent management technologies
  7. No suspicious or malicious content detected
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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nemforsikring.dk security report: 77/100, low risk | Guard