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Is direct.cz a Scam? Security Check Results - Direct Pojišťovna

direct.cz Security Report Summary

direct.cz received a security score of 73 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Direct Pojišťovna's website security posture. Direct Pojišťovna operates in the Finance industry in Czech Republic.

Direct Pojišťovna is a Czech Republic-based insurance company offering a variety of insurance products including auto, property, pet, travel, and business insurance. The company positions itself as a fast, online, and customer-friendly insurer with a strong market presence, serving over 500,000 clients. Their business model focuses on direct online sales and customer self-service via a mobile app and web platform. The website is professionally designed, mobile-optimized, and provides clear navigation and trust signals such as customer testimonials and transparent policies. Technically, the site uses modern frameworks like Next.js and React, integrates consent management, and employs Google Tag Manager for analytics. Security posture is strong with HTTPS and security headers, but lacks explicit published security policies or incident response information. WHOIS data is missing, which reduces domain trustworthiness, but the overall business credibility remains high based on website content and external references.

The security scan identified 20 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, Next.js, JavaScript, CSS, ConsentManager, Google Tag Manager.

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 direct.cz Safe? Security Analysis for Direct Pojišťovna

https://direct.cz

Check if direct.cz is a scam or legitimate. Free security scan and reviews.

FinanceCzech Republiclarge
ReactNext.jsJavaScriptCSSConsentManager+1 more
Analyzed 10/13/2025Completed 4:39:57 PM5mo ago
73
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domaindirect.cz
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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

Direct Pojišťovna is a Czech Republic-based insurance company offering a variety of insurance products including auto, property, pet, travel, and business insurance. The company positions itself as a fast, online, and customer-friendly insurer with a strong market presence, serving over 500,000 clients. Their business model focuses on direct online sales and customer self-service via a mobile app and web platform. The website is professionally designed, mobile-optimized, and provides clear navigation and trust signals such as customer testimonials and transparent policies. Technically, the site uses modern frameworks like Next.js and React, integrates consent management, and employs Google Tag Manager for analytics. Security posture is strong with HTTPS and security headers, but lacks explicit published security policies or incident response information. WHOIS data is missing, which reduces domain trustworthiness, but the overall business credibility remains high based on website content and external references.

Detected Technologies

ReactNext.jsJavaScriptCSSConsentManagerGoogle Tag Manager

8 urgent findings need attention

1 critical · 7 high

Continuous monitoring

Keep direct.cz under constant watch

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

2 findings

85/100

GDPR Compliance

4 findings

25/100

NIS2 Compliance

8 findings

17/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

The company is part of the Skupina VIGO group and maintains partnerships with related domains and companies such as directgroup.eu and direct-auto.cz. Their competitive advantage lies in their online-first approach, ease of contract cancellation, and mobile app availability. The target market is Czech consumers seeking straightforward insurance solutions. The company demonstrates growth and a strong customer base, supported by a clear digital presence and multiple service offerings. The partnership ecosystem includes financial and insurance-related companies enhancing their service portfolio.

Security Posture Analysis

Comprehensive Security Assessment

The website enforces HTTPS and implements key security headers, indicating a mature security posture. No vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of a public security policy, incident response contact, and vulnerability disclosure program suggests room for improvement in transparency and readiness. GDPR compliance is evident through privacy and cookie policies and consent mechanisms. The site uses third-party scripts responsibly but should maintain vigilance on their security impact. Overall, the security posture is good but could be enhanced by publishing more detailed security governance information.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy and incident response page to improve transparency and customer trust.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Direct Pojišťovna

Description:

Pojištění jednoduše, přátelsky. Sjednáte ho online i v appce, je férové a můžete ho kdykoliv zrušit. Sjednejte si pojištění aut, majetku, podnikání i cestovní pojištění.

Key Services:
Auto insuranceProperty insurancePet insuranceTravel insuranceBusiness insurance
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactNext.jsJavaScriptCSSConsentManagerGoogle Tag Manager
Frameworks:
Next.js
Platforms:
WebMobile app (iOS and Android)
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Use of security headers
  • No exposed sensitive data in HTML
  • Consent management for cookies

Analytics & Tracking

Services:
Google Tag Manager
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Marketing Tools:
ConsentManager
Transparency Level:good

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 no blocking or WAF challenges

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

85/100
Score

Weak Referrer-Policy configuration

LOW

Current value: "same-origin"

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

25/100
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

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, LinkedIn

GDPR Compliance Analysis

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

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

17/100
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

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

85/100
Score

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

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 ip4:31.30.152.189 include:spf.protection.outlook.com include:servers.mcsv.net include:spf.boldem.cz -all
DNS Lookups:3/10
Policy:-all
DKIM Selectors Found
Selector:k1(1296-bit rsa)
Selector:selector1(1416-bit rsa)
Selector:selector2(1296-bit rsa)
DMARC Details
Policy:quarantine
Subdomain Policy:quarantine
Aggregate Reports:dmarc@direct.cz

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

100/100
Score

Partial SSL/TLS Assessment

LOW

Completed 2 of 4 security checks due to time constraints

Certificate Details

Subject:www.direct.cz
Issuer:Thawte TLS RSA CA G1
Valid Until:8/25/2026 (316 days)
SANs:www.direct.cz, direct.cz

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

90/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

Domain Registration Details

Domain Age
28 years(mature)

DNS Records

A Records:13.33.235.114, 13.33.235.76, 13.33.235.18, 13.33.235.81
AAAA Records:2600:9000:20a8:1800:c:9914:b180:93a1, 2600:9000:20a8:7200:c:9914:b180:93a1, 2600:9000:20a8:8200:c:9914:b180:93a1, 2600:9000:20a8:8e00:c:9914:b180:93a1, 2600:9000:20a8:5800:c:9914:b180:93a1, 2600:9000:20a8:5000:c:9914:b180:93a1, 2600:9000:20a8:e00:c:9914:b180:93a1, 2600:9000:20a8:4e00:c:9914:b180:93a1
Name Servers:
ns-1453.awsdns-53.org
ns-2026.awsdns-61.co.uk
ns-42.awsdns-05.com
ns-576.awsdns-08.net
MX Records:
0: direct-cz.mail.protection.outlook.com
SOA:Serial: 1, TTL: 86400s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:49ms

SPF Analysis

SPF Record:
v=spf1 ip4:31.30.152.189 include:spf.protection.outlook.com include:servers.mcsv.net include:spf.boldem.cz -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

How does direct.cz compare?

See how direct.cz stacks up against similar websites in the same industry.

🔧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 React and Next.js stack, ensuring good performance and SEO optimization. It uses asynchronous loading of scripts and preloading of fonts and images for faster rendering. The site is mobile-optimized with responsive design and accessibility considerations. Consent management is integrated for cookie compliance. No CMS was detected, suggesting a custom or headless architecture. Hosting provider details are not explicitly found. The site demonstrates good technical maturity with room for improvement in hosting transparency and security documentation.
Professional PDF & Marketing Data

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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

Domaindirect.cz
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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