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Security report for simplea.pl

Simplea pojišťovna, a.s. · Finance · Poland

Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

81/100

Risk levelLow

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

Simplea pojišťovna, a.s. is an insurance company specializing in life insurance products, operating primarily in the Czech Republic and Slovakia, with expanding services in Poland. The company is part of the Czech financial group Partners and benefits from partnerships with global reinsurance firms such as Swiss Re. Their business model focuses on transparent, customer-centric insurance products supported by modern technology and clear communication. The website reflects a professional and consistent brand image targeting individual customers seeking reliable life insurance solutions in the EU market. Technically, the website employs modern frontend technologies including lazy loading and responsive design, ensuring good performance and user experience across devices. Security posture is solid with HTTPS and secure form handling, though some security headers and explicit security policies are missing. Privacy compliance is well addressed with cookie consent and GDPR-aligned policies. WHOIS data is not publicly available, likely due to privacy protection, which slightly impacts trust but is reasonable for the business type. Overall, the site is trustworthy, professional, and well-positioned in its market segment.

Scanned

NIS2 and GDPR posture

GDPR outside view
55/ 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

3 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

  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 simplea.pl

This scan found 15 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

€25per month

  • 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
72
Security headers
90
Email security
85
DNS health
85
Network security
100
GDPR outside view
55
Average
81

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

Simplea operates in the competitive life insurance sector within Central Europe, leveraging its membership in the Partners financial group and partnerships with established entities like Swiss Re and Mondial Assistance. Their business model emphasizes direct and agent-based sales supported by insurtech partner UNEXT, which manages distribution and claims in Poland. The company targets individual customers requiring clear and dependable life insurance products. Growth indicators include geographic expansion into Poland and digital service platforms (MojaSimplea portals). The partnership ecosystem strengthens their market position and operational capabilities. Revenue streams likely derive from insurance premiums and service fees. The company maintains a moderate size and a focused sector presence, with a clear strategy for regional expansion and customer service excellence.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS encryption and secure handling of user inputs such as search forms. However, the absence of key security headers like Content-Security-Policy and X-Frame-Options represents an area for improvement. No vulnerabilities or exposed sensitive data were detected in the HTML content. The lack of a published security policy or incident response contact reduces transparency in security governance. GDPR compliance is evident through cookie consent mechanisms and privacy policy disclosures. Incident response readiness and vulnerability disclosure processes are not publicly documented, which could be enhanced to improve trust and compliance. Overall, the security posture is good but can be strengthened by adopting additional best practices and transparency measures.

Recommendations

  1. Implement and publish comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a clear security policy and provide dedicated incident response contact information to improve transparency and customer trust.
  3. Establish and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Enhance accessibility features and conduct regular security audits to maintain compliance with evolving regulations such as NIS2.
  5. Continue to monitor and optimize website performance and privacy compliance to maintain high user experience and regulatory adherence.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Simplea pojišťovna, a.s.
Description
Firma oferuje ubezpieczenia na życie, działając na rynku czeskim, słowackim oraz rozpoczynając działalność w Polsce. Produkty są przejrzyste i oparte na analizie potrzeb klienta. Firma jest częścią czeskiej grupy finansowej Partners i posiada zezwolenie na działalność ubezpieczeniową wydane przez Czeski Bank Narodowy. Reasekuracja odbywa się m.in. z firmą Swiss Re. W Polsce działa na zasadzie swobody świadczenia usług w UE.
Key services
ubezpieczenia na życie, obsługa posprzedażowa, likwidacja szkód osobowych
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, CSS, HTML5, lazysizes (lazy loading images), Typekit fonts
Frameworks
Swup (page transitions), StimulusJS (data-controller attributes), Tippy.js (tooltips/dropdowns)
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

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

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is fully accessible with rich content in Polish language.
  2. No WAF or blocking mechanisms detected.
  3. WHOIS data is not publicly available, indicating privacy protection or registry restrictions.
  4. Business operates in regulated insurance sector with credible partners.
  5. No direct email addresses found in HTML content; phone contact provided.
  6. Cookie consent mechanism is implemented and GDPR compliant.
  7. No explicit security policy or incident response contacts published.
  8. No analytics or tracking scripts detected in provided HTML.
  9. Website uses modern frontend technologies and lazy loading for performance.
Technical notes

Notes

The website uses a modern frontend stack with JavaScript frameworks such as StimulusJS and Swup for dynamic page transitions, along with lazy loading of images via lazysizes to optimize performance. Fonts are loaded from Adobe Typekit. The site is mobile responsive and includes accessibility considerations such as skip links and ARIA labels. No CMS or backend platform was explicitly detected from the HTML content. Hosting provider details are not disclosed. Performance is moderate with asynchronous loading of scripts. SEO is supported by proper meta tags and Open Graph data. The technical implementation is solid but could benefit from enhanced security headers and analytics integration for better monitoring.
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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