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Security report for westpandi.com

West of England Protection & Indemnity (P&I) Club · Transportation · United Kingdom

Low risk. 3 critical or high findings in Security headers and SSL/TLS.

Security score

76/100

Risk levelLow

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

West of England Protection & Indemnity (P&I) Club is a prominent insurance provider specializing in marine insurance products for the global maritime industry. The Club offers a range of covers including Mutual P&I, Defence, Charterers, Fixed Premium, Offshore, and Extended covers. As a member of the International Group of P&I Clubs, it holds a strong market position with unmatched liability coverage limits outside the group. The website is professionally designed, mobile-optimized, and provides comprehensive information and resources for its target audience of shipowners, charterers, and maritime insurers worldwide. Technically, the site employs modern analytics and tracking tools such as Microsoft Clarity, Google Analytics via Google Tag Manager, and HubSpot Analytics, alongside security measures like HTTPS and reCAPTCHA on forms. However, the absence of WHOIS registration data raises concerns about domain legitimacy, although the website content and branding strongly suggest a legitimate and established business. Privacy compliance is well addressed with a clear cookie policy and consent mechanism. Overall, the site demonstrates a mature digital presence with room for improvement in explicit security policy disclosures and domain registration transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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. 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"

  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

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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
82
Security headers
30
Email security
85
DNS health
75
Network security
100
GDPR outside view
83
Average
76

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 West of England P&I Club operates as a mutual insurance entity within the transportation sector, focusing on marine insurance. Its competitive advantage lies in its membership in the International Group of P&I Clubs, enabling it to offer extensive liability coverage. The business model revolves around providing insurance products tailored to maritime risks, supported by a global network of correspondents and partners. Revenue streams likely include premiums from various insurance covers and partnerships such as Delay Insurance and Cyber Security offerings. The website targets maritime industry professionals globally, emphasizing trust and expertise. The presence of financial reports and emergency contact details indicates operational transparency and customer support focus. The partnership ecosystem includes related domains like WestNet, enhancing service delivery. Strategic observations suggest the Club maintains a strong market presence but should enhance domain registration transparency to reinforce trust.

Security posture

The website exhibits a solid security posture with HTTPS enforced, use of Google reCAPTCHA on forms to prevent automated abuse, and a cookie consent mechanism aligned with GDPR requirements. Security headers are implied but not explicitly confirmed in the provided data, suggesting an opportunity for improvement. No vulnerabilities or exposed sensitive data were detected in the HTML content. However, the lack of a published security policy, incident response contact, or vulnerability disclosure program limits transparency and readiness perception. The missing WHOIS data for the domain is a notable concern from a trust perspective, as it impedes verification of domain ownership and legitimacy. Overall, the site is secure for users but would benefit from enhanced security disclosures and domain registration transparency to improve stakeholder confidence.

Recommendations

  1. Publish explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen browser security.
  2. Provide a publicly accessible security policy and incident response contact information to improve transparency and preparedness.
  3. Implement and publish a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  4. Verify and update domain WHOIS registration information to ensure transparency and trustworthiness of domain ownership.
  5. Add a clear Terms of Service page to define user rights and obligations, enhancing legal clarity and professionalism.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
West of England Protection & Indemnity (P&I) Club
Description
West of England Protection & Indemnity (P&I) Club is a leading insurance provider to the global maritime industry, offering covers such as Mutual P&I, Defence (FD&D), Charterers, Fixed Premium, Offshore and Extended covers. The Club is part of the International Group of P&I Clubs (IG). This enables us to provide limits of cover for P&I liabilities unmatched outside the IG Clubs.
Key services
Mutual P&I Cover, Defence (FD&D), Charterers & Traders Cover, Fixed Premium Cover, Offshore & Renewable Energy Cover, Extended Covers, Piracy Protection, Delay Insurance (via partners), Cyber Security (via partners)
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Microsoft Application Insights, HubSpot Analytics, Google reCAPTCHA, Vimeo video embed, Swiper.js slider, Awesomplete autocomplete
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA on forms
  • Cookie consent banner with opt-in/out
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Microsoft Clarity, Google Analytics, HubSpot Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Microsoft Clarity, Google Analytics (via GTM), HubSpot Analytics
Marketing tools
HubSpot
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 and multimedia
  2. Strong focus on maritime insurance products and services
  3. Multiple language support (English and Chinese)
  4. Comprehensive cookie consent and privacy mechanisms
  5. Emergency contact phone number clearly displayed
  6. No visible security or content blocking mechanisms
  7. WHOIS data missing, which is a concern for domain legitimacy
  8. Use of modern web technologies and analytics tools
  9. No explicit terms of service page found
Technical notes

Notes

The website is built using modern web technologies including HubSpot CMS, Google Tag Manager, Microsoft Application Insights, and HubSpot Analytics, indicating a mature digital infrastructure. It uses responsive design techniques and accessibility features such as ARIA roles and keyboard navigation support. Performance is moderate with multimedia content like embedded Vimeo videos and image sliders implemented via Swiper.js. The site employs autocomplete functionality for search inputs and integrates Google reCAPTCHA for form security. While the technical stack is robust, there is room for improvement in explicit security header implementation and hosting provider transparency. Overall, the technical implementation supports a professional and user-friendly experience aligned with business goals.
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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