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Security report for wpa.org.uk

Western Provident Association Limited · Healthcare · United Kingdom

Low risk. 4 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

78/100

Risk levelLow

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

Western Provident Association Limited (WPA) is a well-established, specialist UK not-for-profit health insurer founded in 1901. The company offers award-winning private medical insurance solutions tailored for individuals, families, and businesses of all sizes. WPA holds a unique market position as the only Which? Recommended Private Medical Insurance provider for two consecutive years and maintains high customer satisfaction as evidenced by excellent Trustpilot ratings. Their key services include personal and family health insurance, business health insurance, health cash plans, and digital health services such as remote GP consultations and mental health support. The company emphasizes customer choice and expert service, leveraging over a century of experience in the healthcare insurance sector.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 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

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 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

  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

  3. DNS health

    DNS sends visitors and email to the right servers. Misconfigured records can cause outages or let someone redirect your traffic.

    • High

      Domain Expires Soon

      Domain expires in 17 days

      What to do: Renew domain registration before expiration

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

Keep watching wpa.org.uk

This scan found 16 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
82
Security headers
85
Email security
85
DNS health
55
Network security
100
GDPR outside view
58
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

WPA operates as a not-for-profit health insurer focused on delivering high-quality private medical insurance products in the UK market. Their business model centers on member service rather than shareholder profit, which differentiates them from competitors. The company targets individuals, families, and businesses seeking private healthcare solutions, emphasizing flexibility and customer choice. WPA's market position is reinforced by industry recognition and customer trust signals. Their partnership ecosystem includes social media platforms and review sites like Trustpilot, enhancing brand visibility and credibility. The company shows strategic focus on digital transformation with mobile apps and online quoting tools, supporting growth and customer engagement.

Security posture

WPA's website enforces HTTPS and implements multiple security headers such as Content-Security-Policy, Strict-Transport-Security, and X-Frame-Options, indicating a mature security posture. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the site lacks a dedicated security policy or incident response page, and no vulnerability disclosure or security.txt file was found. Contact information for incident response or data protection officers is not publicly available, which could be improved to enhance transparency and compliance. Overall, the security posture is strong but could benefit from formalized security documentation and incident response details.

Recommendations

  1. Publish a dedicated security policy and incident response page to improve transparency and compliance.
  2. Implement and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  3. Provide clear contact details for the Data Protection Officer or privacy contact to enhance GDPR compliance.
  4. Continue to monitor and update third-party libraries and tracking tools to mitigate potential vulnerabilities.
  5. Enhance accessibility features and conduct regular audits to maintain high standards for all users.

Contact details published on the site

Addresses
Legal name
Western Provident Association Limited
Registration number
00475557
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Western Provident Association Limited
Description
WPA are a specialist UK not-for-profit health insurer offering award-winning health insurance solutions to individuals, families and companies of all sizes.
Key services
Personal and family health insurance, Business health insurance, Health cash plans, Dental cash plans, Remote GP services, Mental health cover, Structured counselling, Health & wellbeing helpline
Content quality
excellent
Branding
consistent

Technology

Stack
Nuxt.js, Vue.js, Google Tag Manager, Google Analytics, Azure Application Insights, Civic Cookie Control
Frameworks
Nuxt.js, Vue.js
Platforms
Web
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Preconnect and dns-prefetch for performance
  • Cookie consent banner with consent mechanism
  • No exposed sensitive data in HTML
  • Use of CSP and other security headers

Analytics and tracking

Services
Google Analytics, Azure Application Insights
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Azure Application Insights
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured with comprehensive content about health insurance products.
  2. Strong emphasis on customer service and trust with multiple trust signals including Which? recommendation and Trustpilot ratings.
  3. Robust cookie consent mechanism implemented with clear user options.
  4. No visible security or privacy policy pages beyond standard privacy and cookie policies; no explicit security policy or incident response info found.
  5. Use of modern web technologies and analytics tools with good performance and mobile optimization.
  6. No signs of suspicious or malicious content; external links mostly to trusted domains and social media platforms.
Technical notes

Notes

The website is built on a modern technology stack primarily using Nuxt.js and Vue.js frameworks, hosted likely on Microsoft Azure infrastructure as indicated by Application Insights and Azure monitoring scripts. It employs Google Tag Manager and Google Analytics for tracking and performance monitoring. The site demonstrates fast loading times, excellent mobile optimization, and good accessibility features. SEO is well implemented with proper meta tags, structured data (JSON-LD), and canonical URLs. Cookie consent is managed via Civic Cookie Control, ensuring compliance with privacy regulations. The site uses HTTPS with strong security headers, contributing to a robust security posture.
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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