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Security report for vinginsurance.com

IDA Insurance Limited · Other · Malta

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

Security score

55/100

Risk levelMedium

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

IDA Insurance Limited operates as a specialized insurance provider focusing on diving-related insurance products, serving primarily DAN Europe members. The company is regulated by the Malta Financial Services Authority, ensuring compliance with European insurance regulations. The website reflects a professional and consistent brand presence, offering clear information about their services including medical evacuation, emergency treatment, and search and rescue coverage for diving incidents. Technically, the website is built on WordPress with modern plugins and technologies such as Google reCAPTCHA and Iubenda for cookie management, indicating a mature digital infrastructure. Security posture is strong with HTTPS enforced and anti-spam measures in place, though formal security policies and incident response contacts are absent. Overall, the site demonstrates good privacy compliance and business credibility, with room for improvement in security transparency and accessibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 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

6 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

  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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • 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';…

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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
15
Email security
85
DNS health
85
Network security
100
GDPR outside view
43
Average
55

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

The company holds a niche market position within the diving insurance sector, leveraging its affiliation with DAN Europe Group to target diving enthusiasts and professionals. Its business model centers on providing short-term and emergency diving insurance products, with revenue likely derived from insurance premiums. The partnership with DAN Europe and the use of a dedicated login portal indicate a well-integrated ecosystem. The website content and structure support customer engagement and claims processing, reflecting a customer-centric approach. Growth potential exists through expanding insurance offerings and enhancing digital services. The absence of terms of service and security policies suggests areas for operational maturity.

Security posture

IDA Insurance Limited's website exhibits a solid security foundation with HTTPS, cookie consent mechanisms, and Google reCAPTCHA integration to protect user data and prevent spam. However, the lack of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms indicates gaps in transparency and preparedness. No security headers were detected in the HTML content, which could be improved to mitigate common web threats. The site does not expose sensitive data or use vulnerable libraries visibly. Overall, the security posture is good but could benefit from formalized policies and enhanced header configurations to elevate trust and compliance.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and user protections.
  2. Add an incident response contact email (e.g., security@ or abuse@) to facilitate reporting of security issues.
  3. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  4. Enhance website security by adding HTTP security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  5. Improve accessibility features to meet WCAG standards and enhance user experience for all visitors.

Contact details published on the site

Addresses
Legal name
IDA Insurance Limited
VAT number
MT1968-5634
Registration number
C 36602
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
IDA Insurance Limited
Description
IDA Insurance Limited is a subsidiary of DAN Europe Group, authorised and regulated by the Malta Financial Services Authority (MFSA) to transact insurance business in EU/EEU and several extra-European countries, providing diving insurance services to DAN Europe members worldwide.
Key services
Medical evacuation for diving accidents, Emergency treatment of diving-related injuries including hyperbaric therapy and hospitalization, Search and rescue expenses coverage, Short term dive protection insurance products
Content quality
good
Branding
consistent

Technology

Stack
WordPress, PHP, jQuery, Google reCAPTCHA, Iubenda Cookie Solution, Slider Revolution, WPBakery Page Builder, Contact Form 7, WPML (Multilingual CMS)
Frameworks
WordPress
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Google reCAPTCHA integration on contact form
  • Cookie consent banner with granular controls
  • No exposed sensitive data in HTML

Analytics and tracking

Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Google reCAPTCHA, Iubenda Cookie Solution
Marketing tools
Iubenda Cookie Consent, Google reCAPTCHA
Transparency
basic

Site quality

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

Key observations

  1. Website is professionally designed and content-rich for its niche insurance market.
  2. Strong compliance with GDPR and cookie consent requirements.
  3. Use of reputable third-party services for cookie management and spam protection.
  4. No visible security or privacy policy pages beyond privacy and cookie policies.
  5. Contact form uses Google reCAPTCHA to mitigate spam.
  6. No terms of service or security policy pages found.
  7. No explicit incident response or vulnerability disclosure information provided.
Technical notes

Notes

The website is built on a WordPress CMS platform using a child theme of Bridge theme, with multiple plugins including WPBakery Page Builder, Slider Revolution, Contact Form 7, and WPML for multilingual support. It uses jQuery and Google reCAPTCHA for frontend interactivity and spam prevention. Cookie consent is managed via Iubenda, indicating compliance with privacy regulations. The site loads resources from reputable CDNs and uses lazy loading for images, contributing to moderate performance. Mobile optimization is good, with responsive design elements present. No hosting provider details were explicitly found. The technical stack is modern and well-maintained, though opportunities exist to optimize security headers and accessibility compliance.
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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