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Is if.ee a Scam? Security Check Results - If P&C Insurance AS

if.ee Security Report Summary

if.ee received a security score of 68 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers If P&C Insurance AS's website security posture. If P&C Insurance AS operates in the Finance industry in Estonia.

If P&C Insurance AS operates the website if.ee, providing a broad range of insurance products and services targeted at both private individuals and business clients in Estonia. The company offers various insurance types including vehicle, home, travel, accident, and pet insurance, positioning itself as a leading insurance provider in the Baltic region. The website is multilingual and designed to facilitate online insurance purchases and claims management, reflecting a mature digital business model. Technically, the site leverages Microsoft Azure DNS, Episerver CMS, and integrates advanced analytics tools such as Microsoft Application Insights and Google Tag Manager. However, the absence of a valid SSL certificate and lack of modern TLS protocols represent significant security weaknesses that could undermine user trust and data protection. The site demonstrates good compliance with GDPR and cookie regulations, including explicit cookie consent mechanisms and published privacy policies. Contact information is clearly provided, including a company email and phone number, alongside active social media channels. Overall, the website reflects a professional and comprehensive insurance service platform but requires urgent security improvements to ensure safe and trusted user interactions.

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

Technologies detected: jQuery, Azure DNS, Microsoft Application Insights, Google Tag Manager, Puzzel chat, Cookielaw.org cookie consent, Application Insights SDK, Azure DNS hosting.

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 if.ee Safe? Security Analysis for If P&C Insurance AS

https://if.ee

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

FinanceEstonialarge
jQueryAzure DNSMicrosoft Application InsightsGoogle Tag ManagerPuzzel chat+3 more
Analyzed 6/14/2025Completed 6:19:38 PM9mo ago
68
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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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

If P&C Insurance AS operates the website if.ee, providing a broad range of insurance products and services targeted at both private individuals and business clients in Estonia. The company offers various insurance types including vehicle, home, travel, accident, and pet insurance, positioning itself as a leading insurance provider in the Baltic region. The website is multilingual and designed to facilitate online insurance purchases and claims management, reflecting a mature digital business model. Technically, the site leverages Microsoft Azure DNS, Episerver CMS, and integrates advanced analytics tools such as Microsoft Application Insights and Google Tag Manager. However, the absence of a valid SSL certificate and lack of modern TLS protocols represent significant security weaknesses that could undermine user trust and data protection. The site demonstrates good compliance with GDPR and cookie regulations, including explicit cookie consent mechanisms and published privacy policies. Contact information is clearly provided, including a company email and phone number, alongside active social media channels. Overall, the website reflects a professional and comprehensive insurance service platform but requires urgent security improvements to ensure safe and trusted user interactions.

Detected Technologies

jQueryAzure DNSMicrosoft Application InsightsGoogle Tag ManagerPuzzel chatCookielaw.org cookie consentApplication Insights SDKAzure DNS hosting

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

failed

GDPR Compliance

6 findings

18/100

NIS2 Compliance

7 findings

25/100

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 holds a strong market position in the Baltic insurance sector, offering a diversified portfolio of insurance products for both private and corporate customers. Its business model emphasizes digital self-service capabilities, enabling customers to manage policies, invoices, and claims online. The presence of regional partner domains (if.lv and if.lt) indicates a broader Baltic market strategy. The company invests in marketing and analytics technologies to optimize customer engagement and conversion. The website content is relevant and well-structured, supporting customer education and service discovery. Growth indicators include active promotion of mobile applications and seasonal discounts. The partnership ecosystem includes major cloud providers and marketing platforms, supporting scalability and data-driven decision-making.

Security Posture Analysis

Comprehensive Security Assessment

The current security posture shows moderate maturity with key strengths in email authentication (SPF, DMARC with reject policy) and absence of subdomain takeover risks. However, the lack of a valid SSL certificate and disabled TLS protocols critically impair secure communications, exposing users to potential interception and data breaches. The absence of HSTS, OCSP stapling, and security headers further weakens the defense-in-depth strategy. No explicit security policy, incident response contacts, or vulnerability disclosure mechanisms are found, indicating gaps in transparency and readiness. GDPR compliance is supported by visible privacy and cookie policies, but technical security improvements are urgently needed to align with best practices and regulatory expectations. Overall, the security culture appears basic with room for significant enhancement.

Strategic Recommendations

Priority Actions for Security Improvement

1

Install and maintain a valid SSL/TLS certificate to secure all website traffic.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

Analysis failed - content could not be retrieved

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

18/100
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

Insufficient contact information

MEDIUM

GDPR requires organizations to provide clear contact details

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

EU business without adequate privacy measures

CRITICAL

EU businesses are subject to strict GDPR requirements

GDPR Compliance Analysis

Privacy Policy80% confidence
Cookie Policy0% confidence

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

25/100
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 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 include:spf.protection.outlook.com include:_s0.if.ee -all
DNS Lookups:2/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1416-bit rsa)
Selector:selector2(1416-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:dmarc@if.ee

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

100/100
Score
No issues found

OCSP Status

OCSP Stapling Disabled

📊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

DNS Records

A Records:20.82.32.45
Name Servers:
ns1-02.azure-dns.comDNS only
ns2-02.azure-dns.netDNS only
ns2.if.fiDNS only
ns3-02.azure-dns.orgDNS only
ns4-02.azure-dns.infoDNS only
ns4.if.fiDNS only
MX Records:
10: if-ee.mail.protection.outlook.com

DNSSEC Status

DNSSEC Not Enabled

SPF Analysis

SPF Record:
v=spf1 include:spf.protection.outlook.com include:_s0.if.ee -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 if.ee compare?

See how if.ee 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 hosted on Microsoft Azure infrastructure with DNS managed via Azure DNS and additional name servers. The CMS is identified as Episerver, supporting dynamic content and search capabilities. The technology stack includes jQuery, Microsoft Application Insights for telemetry, Google Tag Manager for marketing and analytics, and Puzzel for chat support. Performance metrics indicate a slow load time (~18 seconds) and a large page size (~1.8 MB), suggesting optimization opportunities. Mobile optimization and accessibility are good, with responsive design and ARIA attributes. SEO is well addressed with meta tags, Open Graph data, and canonical URLs. However, the invalid SSL certificate and lack of TLS support present critical risks. The site uses multiple external domains for content delivery, analytics, and marketing, which are mostly reputable and expected. Overall, the technical infrastructure is modern but requires security hardening and performance tuning.
Professional PDF & Marketing Data

Download the if.ee report as PDF

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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

Domainif.ee
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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