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Is achmea.nl a Scam? Security Check Results - Achmea

achmea.nl Security Report Summary

achmea.nl received a security score of 40 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers Achmea's website security posture. Achmea operates in the Finance industry in Netherlands.

Achmea is a mature and large Dutch insurance and financial services company serving approximately 10 million customers. The company emphasizes societal responsibility and sustainability in its business model, offering a broad range of insurance products and financial services through multiple subsidiary brands. The website reflects a professional corporate presence with good content quality and consistent branding. Technically, the site uses modern technologies such as React and Sitecore CMS, but suffers from slow load times and lacks a valid SSL certificate, which is a critical security issue. The security posture is weak due to missing HTTPS, lack of security headers, and incomplete DNS security configurations. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. The business credibility is strong, supported by extensive subsidiary networks and transparent corporate information. Overall, the site is functional but requires urgent security improvements to protect user data and maintain trust.

The security scan identified 17 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, Sitecore CMS, JavaScript, HTML5, CSS3, Sitecore.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and AI-powered business intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is achmea.nl Safe? Security Analysis for Achmea

https://achmea.nl

Check if achmea.nl is a scam or legitimate. Free security scan and reviews.

FinanceNetherlandsenterprise
ReactSitecore CMSJavaScriptHTML5CSS3+1 more
Analyzed 6/15/2025Completed 7:24:24 AM9mo ago
40
Security Score
HIGH RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainachmea.nl
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SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

AI Summary

Achmea is a mature and large Dutch insurance and financial services company serving approximately 10 million customers. The company emphasizes societal responsibility and sustainability in its business model, offering a broad range of insurance products and financial services through multiple subsidiary brands. The website reflects a professional corporate presence with good content quality and consistent branding. Technically, the site uses modern technologies such as React and Sitecore CMS, but suffers from slow load times and lacks a valid SSL certificate, which is a critical security issue. The security posture is weak due to missing HTTPS, lack of security headers, and incomplete DNS security configurations. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. The business credibility is strong, supported by extensive subsidiary networks and transparent corporate information. Overall, the site is functional but requires urgent security improvements to protect user data and maintain trust.

Detected Technologies

ReactSitecore CMSJavaScriptHTML5CSS3Sitecore

7 urgent findings need attention

1 critical · 6 high

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Guard tracks your live infrastructure daily: certificate expiry, DNS & mail authentication drift, uptime changes, subdomain inventory, and unexpected tracker or content shifts. A full timeline captures every diff so you can prove remediation and spot regressions instantly.

Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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Security Headers

1 finding

90/100

GDPR Compliance

6 findings

0/100

NIS2 Compliance

4 findings

65/100

Email Security

1 finding

95/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

Achmea holds a leading position in the Dutch insurance market with a cooperative identity and a focus on sustainability and social impact. Its business model revolves around providing insurance and financial services to individuals and businesses, supported by a network of well-known subsidiary brands. The company leverages digital channels for customer engagement and marketing, utilizing advanced analytics and tracking tools. Growth is supported by a strong brand portfolio and active communication of corporate responsibility. The partnership ecosystem includes multiple subsidiary domains and related service providers. The company’s operations are consistent with its mature domain registration and public corporate disclosures.

Security Posture Analysis

Comprehensive Security Assessment

The current security posture of the Achmea website is concerning due to the absence of a valid SSL certificate, which exposes users to potential data interception and undermines trust. The lack of HTTP security headers and missing HSTS policy further weaken the site's defenses against common web attacks. DNSSEC is enabled but not validated, and CAA records are malformed, indicating incomplete DNS security implementation. While no critical vulnerabilities like Heartbleed or POODLE were detected, the missing HTTPS is a critical flaw. The presence of a responsible disclosure page indicates some awareness of security best practices, but the overall readiness for incident response and data protection is limited. Compliance with GDPR is supported by privacy policies but could be enhanced by explicit security policies and DPO contact information.

Strategic Recommendations

Priority Actions for Security Improvement

1

Immediately install and maintain a valid SSL/TLS certificate to enable HTTPS across the entire site.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

90/100
Score

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

0/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

No Cookie Policy found

HIGH

GDPR requires clear information about cookie usage

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

Insufficient contact information

MEDIUM

GDPR requires organizations to provide clear contact details

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

Third-party services without privacy policy

HIGH

Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube, Google APIs, Google Ads

GDPR Compliance Analysis

Privacy Policy0% confidence
Cookie Policy0% confidence

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

65/100
Score

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

95/100
Score

Complex SPF record

LOW

Too many include statements can cause lookup limits

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 ip4:84.241.177.115 ip4:159.135.138.110 ip4:62.209.53.67 ip4:94.236.95.187 ip4:145.219.8.32 ip4:145.219.8.33 ip4:70.39.246.33/27 ip4:70.39.247.0/26 ip4:204.237.163.0/26 include:spf.protection.outlook.com include:mailplus.nl ip4:85.17.215.151 ip4:85. 17.215.152 ip4:85.17.215.153 ip4:85.17.215.154 include:_spf.zivver.com include:spf.ebfweb.nl include:spf.mailjet.com -all
DNS Lookups:5/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1416-bit rsa)
Selector:mail(1296-bit rsa)
Selector:s1(1440-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:m6panlfh@ag.eu.dmarcadvisor.com
MTA-STS Details

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

50/100
Score

SSL/TLS Check Incomplete

MEDIUM

Some SSL/TLS checks timed out

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

75/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

Domain Transfer Lock Not Enabled

MEDIUM

Domain can be transferred without authorization

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

Domain Registration Details

Domain Age
28 years(mature)
Protection Level
noneDNSSEC ON
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:52.149.105.108
AAAA Records:2603:1020:203:3::107
Name Servers:
ns01.brandshelter.comDNS only
ns02.brandshelter.netDNS only
MX Records:
10: achmea-nl.mail.protection.outlook.com

DNSSEC Status

DNSSEC Not Enabled

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does achmea.nl compare?

achmea.nl scores below average. Browse similar domains to see how competitors handle security.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on a modern technology stack including React and Sitecore CMS, indicating a mature digital infrastructure. However, performance is suboptimal with a high page load time (~34 seconds) and a relatively large number of resources (68). The site is mobile optimized with responsive design and good SEO practices including meta tags and Open Graph data. The hosting environment appears to be Microsoft Azure based on IP and DNS data. The absence of a valid SSL certificate is a major technical risk. The site uses multiple external scripts for analytics, marketing, and tracking, which are well integrated but increase complexity. There is room for technical improvements in caching, session management, and security header implementation to enhance both security and performance.
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PDF Report & Export

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39.90 €one-time • Incl. 21% VAT

Marketing Intelligence

Contact emails, phone numbers & warm leads

49.90 €one-time • Incl. 21% VAT

Plan Comparison

FeaturePDF ReportMarketing+
Full security analysis
Professional PDF export
Email delivery
Lifetime access + unlock code
Contact emails & phones
Marketing outreach data

Already purchased?

Order summary

Domainachmea.nl
Access tierFull report or marketing add-on

Digital reports are delivered immediately after payment. By continuing you acknowledge the withdrawal waiver described in our Returns & Refunds policy.

VisaMastercardApple PayGoogle Pay

Secure payments processed via EveryPay. Prices in EUR; Incl. 21% VAT.

SEQ SIA

Lastadijas 12 k-3, Riga, Latvia, LV-1050

Reg. No. 40203410806 • VAT LV40203410806

Support: guard@offseq.com+371 2256 5353

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