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Security report for sjova.is

Sjóvá-Almennar tryggingar hf. · Other · Iceland

Low risk. 4 critical or high findings in GDPR outside view.

Security score

78/100

Risk levelLow

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

Sjóvá-Almennar tryggingar hf. is a well-established Icelandic insurance company founded in 1918, offering a comprehensive range of personal and business insurance products. The company holds a leading market position in Iceland, evidenced by its consistent top ranking in customer satisfaction surveys over the past eight years. Their website reflects a professional and customer-focused approach, providing easy access to services such as claims reporting and roadside assistance. The target audience includes Icelandic individuals and businesses seeking reliable insurance solutions. Technically, the website is built on modern frameworks like Next.js and React, ensuring fast performance, mobile optimization, and good accessibility. Security posture is strong with HTTPS enforcement and appropriate security headers, although explicit security policy and incident response information are not publicly available. Overall, the site demonstrates high professionalism, trustworthiness, and compliance with privacy regulations, making it a credible digital presence for the company.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 100 · High
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

4 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.

    • 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

    • High

      Third-party services without privacy policy

      Detected services: Facebook, LinkedIn

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

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

Keep watching sjova.is

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.

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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
95
Security headers
65
Email security
85
DNS health
90
Network security
100
GDPR outside view
35
Average
78

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

Sjóvá operates in the insurance sector, serving both individual and corporate clients in Iceland. Their business model focuses on providing a full suite of insurance products, supported by personalized customer service through a network of branches nationwide. The company leverages digital tools such as a customer portal and AI-powered chat support to enhance client engagement. Their market position is strong, supported by awards and customer testimonials. The company maintains a consistent brand identity and has a clear online presence with active social media channels. Subsidiaries include Sjóvá-Almennar líftryggingar hf., indicating a diversified insurance offering. The company’s longevity and market leadership suggest stable revenue streams and a mature operational model.

Security posture

The website employs HTTPS with strong SSL configuration and includes standard security headers like HSTS, X-Frame-Options, and Content-Security-Policy, indicating a mature security posture. No exposed sensitive data or vulnerable libraries were detected. Forms appear to be securely implemented with no visible injection or data leakage risks. However, the absence of a dedicated security policy or vulnerability disclosure page limits transparency about their security governance. Incident response contact information is also not publicly available, which could be improved to enhance trust and readiness. Overall, the security posture is robust for a commercial insurance website but could benefit from enhanced transparency and formalized security communication.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and compliance.
  2. Implement and publicize a vulnerability disclosure program or security.txt file.
  3. Provide clear incident response contact information for security issues.
  4. Regularly audit third-party scripts and dependencies to ensure no vulnerabilities.
  5. Enhance transparency around data retention and privacy practices to reinforce GDPR compliance.

Contact details published on the site

Addresses
Legal name
Sjóvá-Almennar tryggingar hf.
Registration number
650909-1270
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Sjóvá-Almennar tryggingar hf.
Description
Sjóvá er tryggingafélag sem býður viðskiptavinum sínum allar tryggingar.
Key services
Personal insurance, Business insurance, Claims reporting, Roadside assistance
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, JavaScript, CSS Modules
Frameworks
Next.js
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data
  • Secure forms with proper input handling

Analytics and tracking

Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
CookieHub
Marketing tools
Boost.ai chat panel
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content
  2. No WHOIS data available from ISNIC server for www.sjova.is
  3. Strong branding and consistent professional design
  4. Clear contact information and multiple communication channels
  5. Use of modern web technologies and frameworks
  6. Good privacy and cookie policies with consent mechanisms
  7. No visible security vulnerabilities or exposed sensitive data
  8. Social media presence on Facebook, LinkedIn, Instagram, and Strava
  9. No evidence of adult or questionable content
  10. No explicit security policy or incident response page found
Technical notes

Notes

The website is built using Next.js and React, leveraging modern JavaScript and CSS modules for styling. It is optimized for mobile devices and demonstrates fast loading times. The site uses asynchronous script loading and preloading for performance optimization. SEO is well addressed with proper meta tags, Open Graph, and Twitter card metadata. Accessibility features are present but could be further enhanced with ARIA landmarks and roles. Hosting provider details are not explicitly identified. The site integrates third-party services such as Boost.ai for chat and CookieHub for cookie consent management, indicating a mature digital infrastructure. Overall, the technical implementation supports a high-quality user experience with room for incremental improvements in accessibility and security transparency.
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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