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Security report for oneyinsurance.com

Oney Insurance (PCC) Ltd. & Oney Life (PCC) Ltd · Finance · Malta

Medium risk. 7 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

50/100

Risk levelMedium

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

Oney Insurance operates as a specialized insurance provider focusing on tailored Life and Non-Life insurance solutions for retailers, companies, and broker networks primarily in Malta. The company emphasizes selective partnerships and long-term vision, offering expertise in PPI, providence, affinity, and specialty insurance products. Their market position is niche, targeting B2B2C channels with customized insurance offerings. The website reflects a small-sized business with professional branding and published financial and solvency reports indicating regulatory compliance. Technically, the website is a straightforward HTML/CSS implementation using Google Fonts, with no detected CMS or advanced frameworks. The site is mobile-optimized and presents content clearly but lacks advanced SEO and accessibility features. No interactive forms or tracking technologies are present, which reduces data collection risks but also limits user engagement. From a security perspective, the site lacks visible HTTPS enforcement data and security headers, which are critical for protecting user data and ensuring trust. No privacy or cookie policies are published, indicating gaps in compliance with GDPR and related regulations. The absence of incident response contacts or vulnerability disclosure mechanisms further limits transparency and security readiness. Overall, the website is functional and professional but requires significant improvements in security posture and privacy compliance to meet industry standards and enhance trustworthiness. Strategic recommendations include implementing HTTPS, adding security headers, publishing privacy and cookie policies, and establishing clear incident response channels.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

7 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

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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

  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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  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 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 oneyinsurance.com

This scan found 22 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
0
Security headers
55
Email security
60
DNS health
75
Network security
100
GDPR outside view
10
Average
50

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 oneyinsurance.com, from OffSeq Breach.

No leaked records found

Breach holds no records for oneyinsurance.com 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

Oney Insurance positions itself as a boutique insurance provider specializing in customized insurance solutions for the retail and corporate sectors in Malta. Their business model focuses on B2B2C partnerships, leveraging expertise in niche insurance products such as PPI and affinity insurance. The company publishes annual solvency and financial reports, signaling regulatory adherence and financial transparency. The target customers are retailers, companies, and broker networks seeking tailored insurance products. The company appears small but professional, with consistent branding and a clear focus on long-term partnerships. No parent or subsidiary companies are indicated. The lack of social media presence and limited digital marketing tools suggests a conservative digital strategy focused on direct B2B relationships.

Security posture

The current security posture is basic with notable deficiencies. The absence of HTTPS enforcement and security headers exposes the site to potential man-in-the-middle attacks and clickjacking risks. No forms or input fields reduce attack vectors but also limit user interaction. The lack of privacy and cookie policies indicates non-compliance with GDPR and related data protection laws. No incident response or vulnerability disclosure information is provided, which could delay response to security incidents. Overall, the security maturity is low to moderate, with critical improvements needed to protect user data and enhance trust.

Recommendations

  1. Implement HTTPS with a valid SSL/TLS certificate and enforce secure connections site-wide.
  2. Add essential security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Publish comprehensive privacy and cookie policies to comply with GDPR and inform users.
  4. Establish and publish incident response contact information and consider a vulnerability disclosure policy or security.txt file.
  5. Enhance website accessibility and SEO to improve user experience and search visibility.

Contact details published on the site

Addresses
Legal name
Oney Insurance (PCC) Ltd. & Oney Life (PCC) Ltd
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Oney Insurance (PCC) Ltd. & Oney Life (PCC) Ltd
Description
Development of tailored and ultra-personalized insurance solutions for retailers, companies, and broker networks in Life and Non-Life Insurance through two entities: Oney Life (PCC) Limited and Oney Insurance (PCC) Limited. Expertise in PPI, providence insurance, affinity and specialty insurance with a focus on selective partnerships and long-term vision.
Key services
Tailored insurance solutions, Life and Non-Life Insurance, PPI and providence insurance, Affinity and specialty insurance
Content quality
good
Branding
consistent

Technology

Stack
HTML5, CSS3, Google Fonts (Roboto)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
40/100
Good practices seen
  • No forms present to collect user input, reducing attack surface

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
moderate

Key observations

  1. Website is a simple, content-focused site without interactive forms or scripts.
  2. No privacy, cookie, or terms of service policies found on the site.
  3. Contact information is clearly presented with physical address, phone, and email.
  4. No social media links or analytics/tracking scripts detected.
  5. Published financial and solvency reports indicate regulatory compliance efforts.
  6. No visible security headers or HTTPS enforcement details provided.
  7. No evidence of advertising or tracking technologies.
Technical notes

Notes

The website is built using standard HTML5 and CSS3 with Google Fonts integration, indicating a simple and lightweight technical infrastructure. No CMS or JavaScript frameworks are detected, which reduces complexity but limits dynamic functionality. The site is mobile responsive with a clean layout but lacks advanced SEO meta tags and accessibility features. Performance is likely moderate given the minimal external dependencies. Hosting provider and SSL configuration details are not provided, limiting full technical assessment. The absence of analytics or tracking scripts suggests minimal data collection but also limits marketing insights.
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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