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Is cgu.com.au a Scam? Security Check Results - CGU Australia Pty Ltd Reviews

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Is cgu.com.au Safe? Security Analysis for CGU Australia Pty Ltd

Check if cgu.com.au is a scam or legitimate. Free security scan and reviews.

FinanceAustralialarge
Adobe Helix RUMBootstrap (implied by data-bs-toggle attributes)JavaScriptCSSHTML5
Analyzed 10/3/2025Completed 4:11:41 PM
61
Security Score
MEDIUM RISK

AI Summary

CGU Australia Pty Ltd is a well-established Australian insurance provider with a history dating back to 1861. The company offers a broad range of insurance products including car, home, travel, business, public liability, and professional indemnity insurance. The website targets insurance brokers and individual customers, emphasizing broker partnerships and comprehensive insurance solutions. The business model relies heavily on broker distribution and partnerships with financial institutions, positioning CGU as a trusted and longstanding player in the Australian insurance market. Technically, the website is built on Adobe Experience Manager CMS and uses modern web technologies including Adobe Helix RUM for performance monitoring. The site is well-structured, mobile-optimized, and SEO-friendly, providing a professional user experience. However, some improvements could be made in cookie consent and explicit security headers to enhance privacy and security compliance. From a security perspective, the site enforces HTTPS and avoids exposing sensitive data. No major vulnerabilities were detected in the HTML content. The absence of WHOIS data is due to privacy protections common for large enterprises. Overall, the security posture is strong but could benefit from publishing security policies and incident response information to improve transparency. The overall risk assessment is low with a high trustworthiness rating. Strategic recommendations include implementing cookie consent mechanisms, adding security headers, publishing security and incident response policies, and maintaining transparency about data protection practices to further enhance user trust and compliance.

Detected Technologies

Adobe Helix RUMBootstrap (implied by data-bs-toggle attributes)JavaScriptCSSHTML5

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

CGU operates in the Australian finance sector as a major insurance provider with a legacy of over 160 years. Its competitive advantage lies in strong broker relationships and partnerships with financial institutions, enabling broad market reach. The business model focuses on broker-mediated sales and direct partnerships rather than direct-to-consumer sales. Revenue streams are primarily from insurance premiums across multiple product lines. The target customers include individuals, small businesses, and brokers. Growth indicators include digital resources like the STRIVE insights platform and broker portals. The partnership ecosystem includes financial institutions and government financial literacy programs. CGU's operations reflect a mature, stable insurance business with a focus on customer service and broker support.

Security Posture Analysis

Comprehensive Security Assessment

CGU's website demonstrates a mature security posture with mandatory HTTPS, no visible sensitive data exposure, and use of modern web technologies. However, the lack of explicit security headers such as Content-Security-Policy and absence of published security policies or incident response contacts indicate areas for improvement. No vulnerability disclosures or security.txt files were found, which could enhance transparency and trust. The privacy policy is comprehensive and GDPR compliant, but cookie consent mechanisms are missing, which may pose compliance risks. Overall, the security culture appears professional but could be strengthened by formalizing incident response and vulnerability management disclosures.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement a cookie consent banner to comply with GDPR and enhance user privacy transparency.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

CGU Australia Pty Ltd

Description:

Comprehensive business & personal insurance - travel, car, home, public liability & professional indemnity cover. Get your online quote today! CGU has backed individuals and small businesses across Australia since 1861, partnering with insurance brokers to protect assets, livelihoods, and ambitions.

Key Services:
Car insuranceHome insuranceTravel insuranceBusiness insurancePublic liability insuranceProfessional indemnity coverWorkers compensation
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
Adobe Helix RUMBootstrap (implied by data-bs-toggle attributes)JavaScriptCSSHTML5
Frameworks:
Adobe Experience Manager (AEM)
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of deferred and async script loading

Analytics & Tracking

Services:
Adobe Helix RUM
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Adobe Helix RUM
Marketing Tools:
Adobe Helix RUM
Transparency Level:basic

Website Quality Assessment

Design Quality:excellent
User Experience:excellent
Content Relevance:excellent
Navigation Clarity:excellent
Professionalism:excellent
Trustworthiness:high

Key Observations

1

Website is fully accessible with rich content and navigation.

🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

15/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Missing X-XSS-Protection header

MEDIUM

Legacy XSS protection (deprecated but still recommended)

Missing Referrer-Policy header

LOW

Controls referrer information sent with requests

Missing Permissions-Policy header

MEDIUM

Controls browser features and APIs

Sensitive data may be cached

LOW

Cache-Control header should include "no-store" for sensitive pages

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

53/100
Score

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

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy0% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

2/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

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 vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

Critical sector without clear security compliance

HIGH

Detected sectors: energy, transport, banking, digital

📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

97/100
Score

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

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 include:_spf.salesforce.com include:spf.protection.outlook.com include:eventsairmail.com ip4:199.30.225.0/24 mx:fxdms.net a:ssiw.qvalent.com include:mrspf.ebix.com.au ip4:74.112.71.226 ip4:203.23.122.247 ip4:202.12.184.142 -all
DNS Lookups:6/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1296-bit rsa)
Selector:s1(1440-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:dmarc.reporting@iag.com.au
Forensic Reports:dmarc.reporting@iag.com.au
MTA-STS Details

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

52/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Weak SSL Key Length

HIGH

SSL certificate uses 256-bit key, which is considered weak

Mixed Content Detected

MEDIUM

4 resources loaded over insecure HTTP

Partial SSL/TLS Assessment

LOW

Completed 3 of 4 security checks due to time constraints

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Enabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

85/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Registration Details

Protection Level
strongDNSSEC OFF

DNS Records

A Records:84.53.164.171
Name Servers:
a1-177.akam.netDNS only
a1-45.akam.netWHOIS only
a10-66.akam.netDNS only
a13-66.akam.netWHOIS only
a24-67.akam.netWHOIS only
a26-64.akam.netWHOIS only
a5-65.akam.netWHOIS only
a6-66.akam.netWHOIS only
MX Records:
0: cgu-com-au.mail.protection.outlook.com
SOA:Serial: 2015111932, TTL: 86400s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:40ms

SPF Analysis

SPF Record:
v=spf1 include:_spf.salesforce.com include:spf.protection.outlook.com include:eventsairmail.com ip4:199.30.225.0/24 mx:fxdms.net a:ssiw.qvalent.com include:mrspf.ebix.com.au ip4:74.112.71.226 ip4:203.23.122.247 ip4:202.12.184.142 -all

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

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built on Adobe Experience Manager CMS, leveraging Adobe Helix RUM for real user monitoring. It uses modern HTML5, CSS, and JavaScript with Bootstrap components for responsive design. The site loads scripts asynchronously and defers non-critical resources to optimize performance. Mobile optimization and accessibility features are well implemented. SEO best practices are followed with proper meta tags, Open Graph, and JSON-LD structured data. Hosting provider details are not explicitly found. Performance is moderate with room for improvement in loading speed. The technical infrastructure is robust and suitable for a large enterprise insurance website.
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