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Security report for vkb.de

Versicherungskammer Bayern · Finance · Germany

Partial score · DNS & email only

55/100

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

Versicherungskammer Bayern is a large, established insurance provider primarily serving customers in Bavaria and the Pfalz region of Germany. The company offers a wide range of insurance products including auto, home, liability, legal protection, health, and pension insurance, along with dedicated services for businesses and farmers. The website reflects a professional and customer-focused approach with extensive content, customer testimonials, and multiple online service portals. Technically, the site uses a custom CMS with modern JavaScript libraries and integrates Adobe Tag Manager and Usercentrics for marketing and consent management. However, the absence of a valid SSL certificate and lack of HTTPS significantly undermines the site's security posture. Security headers are well configured, but the lack of TLS protocols and OCSP stapling are notable weaknesses. Privacy policies and cookie consent mechanisms are present and appear GDPR compliant. Overall, the site is content-rich and credible but requires urgent improvements in SSL/TLS implementation to ensure secure user interactions.

Scanned

This is an earlier scan of vkb.de. View the latest report

NIS2 and GDPR posture

Checks completed
5of 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

1 finding rated critical or high. Fix these first.

  1. 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

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

Keep watching vkb.de

This scan found 7 issues across 4 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
0
Email security
50
DNS health
70
Network security
100
Average
55

Not counted

  • Security headers: did not complete in this scan.
  • GDPR outside view: did not complete in this scan.
  • 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 vkb.de, from OffSeq Breach.

Total records
1,106
Employees
0
Customers
1,097
Third parties
9
Weak passwords
7%

19 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for vkb.de.

Select it in the checkout above.

Breach keeps ingesting new leaks, so these numbers can grow between scans.

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 strong market position as a leading insurer in its regional market, targeting a broad audience from private individuals to businesses and farmers. Its business model revolves around comprehensive insurance offerings combined with digital customer services and portals. The website's content and navigation cater well to diverse customer segments, including young people, families, professionals, and corporate clients. The presence of multiple social media channels and customer testimonials enhances trust and engagement. The domain registration data aligns with the company's profile, showing consistency and legitimacy. However, the lack of domain protection locks and DNSSEC indicates room for improvement in domain security.

Security posture

The website demonstrates a moderate security maturity level with strong HTTP security headers and cookie settings. The critical deficiency is the missing or invalid SSL certificate, resulting in no HTTPS availability, which is a major security risk for user data confidentiality and integrity. The site does not support modern TLS protocols, lacks OCSP stapling, and session resumption features, which could impact both security and performance. No explicit incident response or vulnerability disclosure information is found, indicating potential gaps in security transparency and readiness. Privacy compliance is well addressed with visible policies and consent management. Immediate remediation of SSL/TLS issues is essential to elevate the security posture.

Recommendations

  1. Install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire site.
  2. Enable support for modern TLS protocols (TLS 1.2 and TLS 1.3) to ensure secure communications.
  3. Implement OCSP stapling and session resumption to improve certificate validation and performance.
  4. Consider enabling DNSSEC and CAA records to enhance domain security and certificate issuance control.
  5. Publish clear incident response and vulnerability disclosure policies to improve security transparency and user trust.
Technical notes

Notes

The website is built on a custom CMS platform with a tech stack including jQuery 3.6.1, Modernizr, Adobe Tag Manager, and Usercentrics for consent management. The site is mobile optimized with responsive design and good navigation clarity. However, performance metrics are not available or indicate slow loading, possibly due to missing data or measurement issues. SEO is supported with proper meta tags and canonical links. Accessibility is basic but present. Hosting appears to be managed internally or via a regional provider, with DNS records showing no DNSSEC or CAA. The lack of SSL/TLS is a critical technical debt that must be addressed to avoid security risks and user trust erosion.
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

Earlier scans of this domain

  1. 73/100 −2Medium28 findingsView report
  2. 75/100Medium27 findingsView report
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