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Is fmg.co.nz a Scam? Security Check Results - Fmg

fmg.co.nz Security Report Summary

fmg.co.nz received a security score of 38 out of 100 in Guard's comprehensive security analysis, classified as "Potentially Unsafe". This report covers Fmg's website security posture. Fmg operates in the Insurance industry in New zealand.

The security scan identified 45 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

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 fmg.co.nz Safe? Security Analysis for Fmg

http://fmg.co.nz

Check if fmg.co.nz is a scam or legitimate. Free security scan and reviews.

InsuranceNew zealandSize: 501-1000
Analyzed 6/24/2025Completed 7:40:21 PM9mo ago
38
Security Score
HIGH RISK

10,000+

Domains scanned

500+

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Domainfmg.co.nz
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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

24 urgent findings need attention

9 critical · 15 high

  • + 16 more findings in the full report below
Continuous monitoring

Keep fmg.co.nz 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

6 findings

40/100

GDPR Compliance

4 findings

53/100

NIS2 Compliance

9 findings

2/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

FMG holds a dominant position in New Zealand's rural insurance market, leveraging its mutual ownership model to align business interests with member needs. Its competitive advantage lies in deep regional presence, tailored insurance products for rural sectors, and strong brand trust evidenced by B Corp certification. Revenue streams are primarily insurance premiums from diverse rural and provincial clients. FMG targets farmers, lifestyle block owners, and rural businesses, emphasizing community support and risk mitigation. Growth is supported by digital transformation initiatives and extensive regional offices. Partnerships with industry bodies and community programs enhance FMG's ecosystem. The company maintains a clear focus on rural New Zealand, with no apparent diversification into unrelated sectors.

Extracted Contact Information

Marketing Intelligence Data

Security Posture Analysis

Comprehensive Security Assessment

FMG demonstrates a mature security posture with HTTPS enforced across the site and integration of reCAPTCHA to protect forms from abuse. The absence of exposed sensitive data and use of reputable analytics and marketing tools indicate good operational security hygiene. However, the lack of explicit security headers such as X-Frame-Options and X-Content-Type-Options, and no publicly available incident response or vulnerability disclosure policies, represent areas for improvement. GDPR compliance is indicated through privacy and cookie policies, but no dedicated security or data protection officer contact is found. Overall, FMG's security posture is solid but could benefit from enhanced transparency and formalized security documentation to meet evolving compliance standards.

Strategic Recommendations

Priority Actions for Security Improvement

1

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

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Farmers Mutual Group

Description:

FMG is New Zealand’s leading rural insurer. We provide advice and insurance to over 120,000 members and clients living in rural and provincial New Zealand, with employees located across 30 regional offices nationwide.

Key Services:
Home insuranceCar insuranceContents insuranceBusiness insuranceLife and health insuranceTravel insurance
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
Google reCAPTCHAGoogle AnalyticsGoogle Tag ManagerFacebook PixelLinkedIn Insight TagMarketo MunchkinHotjarStackAdaptGoogle FontsGoogle Maps APISquiz Matrix CMS
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Use of reCAPTCHA for forms
  • No exposed sensitive data in HTML
  • Use of multiple tracking and analytics scripts with consent

Analytics & Tracking

Services:
Google AnalyticsHotjarFacebook PixelLinkedIn Insight Tag
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
Google AdsStackAdapt
Tracking Pixels:
Facebook PixelLinkedIn Insight TagHotjar
Marketing Tools:
Marketo Munchkin
Transparency Level:good

Website Quality Assessment

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

Key Observations

1

Website is fully accessible with no WAF or blocking detected.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

40/100
Score

Missing Strict-Transport-Security header

HIGH

Forces HTTPS connections

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: transport, health, digital

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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 include:au._netblocks.mimecast.com a:smtp.edocuments.co.nz a:msg.fmg.co.nz a:mailrelay.t1cloud.com include:spf.protection.outlook.com include:mktomail.com ip4:103.1.195.211 ip4:103.1.193.18 ip4:18.168.51.200 ip4:18.168.140.58 -all
DNS Lookups:6/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1296-bit rsa)
Selector:selector2(1416-bit rsa)
Selector:mail(1296-bit rsa)
Selector:s1(1440-bit rsa)
DMARC Details
Policy:quarantine
Aggregate Reports:mkvpizlh@ag.ap.dmarcian.com
Forensic Reports:mkvpizlh@fr.ap.dmarcian.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

57/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

SSL Certificate Expires Within 90 Days

MEDIUM

SSL certificate expires in 38 days

Weak SSL Key Length

HIGH

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

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

70/100
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 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 OFF
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:43.245.41.42
Name Servers:
pete.ns.cloudflare.com
uma.ns.cloudflare.com
MX Records:
10: fmg-co-nz.mail.protection.outlook.com
SOA:Serial: 2375951829, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:33ms

SPF Analysis

SPF Record:
v=spf1 include:au._netblocks.mimecast.com a:smtp.edocuments.co.nz a:msg.fmg.co.nz a:mailrelay.t1cloud.com include:spf.protection.outlook.com include:mktomail.com ip4:103.1.195.211 ip4:103.1.193.18 ip4:18.168.51.200 ip4:18.168.140.58 -all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

0/100
Score

High-Risk Service Exposed: FTP

HIGH

Port 21 (FTP) is publicly accessible - FTP - Often unencrypted file transfer

Service Exposed: SSH

MEDIUM

Port 22 (SSH) is publicly accessible - SSH - Secure but can be brute-forced

Critical Service Exposed: Telnet

CRITICAL

Port 23 (Telnet) is publicly accessible - Telnet - Unencrypted remote access

High-Risk Service Exposed: RPC

HIGH

Port 135 (RPC) is publicly accessible - RPC - Windows RPC endpoint

High-Risk Service Exposed: NetBIOS

HIGH

Port 139 (NetBIOS) is publicly accessible - NetBIOS - Windows file sharing

Critical Service Exposed: SMB

CRITICAL

Port 445 (SMB) is publicly accessible - SMB - Windows file sharing, high risk

Critical Service Exposed: MSSQL

CRITICAL

Port 1433 (MSSQL) is publicly accessible - MSSQL - Database server

Critical Service Exposed: Oracle

CRITICAL

Port 1521 (Oracle) is publicly accessible - Oracle - Database server

Critical Service Exposed: MySQL

CRITICAL

Port 3306 (MySQL) is publicly accessible - MySQL - Database server

Critical Service Exposed: RDP

CRITICAL

Port 3389 (RDP) is publicly accessible - RDP - Remote Desktop, prime ransomware target

Critical Service Exposed: PostgreSQL

CRITICAL

Port 5432 (PostgreSQL) is publicly accessible - PostgreSQL - Database server

Critical Service Exposed: Redis

CRITICAL

Port 6379 (Redis) is publicly accessible - Redis - In-memory database

High-Risk Service Exposed: Elasticsearch

HIGH

Port 9200 (Elasticsearch) is publicly accessible - Elasticsearch - Search engine

Critical Service Exposed: MongoDB

CRITICAL

Port 27017 (MongoDB) is publicly accessible - MongoDB - NoSQL database

How does fmg.co.nz compare?

fmg.co.nz scores below average. Browse similar domains to see how competitors handle security.

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PDF Report & Export

PDF download, email delivery, unlock code

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

Domainfmg.co.nz
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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