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

if.lv Security Report Summary

if.lv received a security score of 67 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers If P&C Insurance AS Latvijas filiāle's website security posture. If P&C Insurance AS Latvijas filiāle operates in the Finance industry in Latvia.

If P&C Insurance AS Latvijas filiāle operates a professional and comprehensive insurance website targeting private individuals and businesses in Latvia. The company offers a wide range of insurance products including auto (KASKO, OCTA), home, pet, travel, and health insurance, supported by a customer portal for policy and claims management. The website demonstrates a mature digital infrastructure with modern technologies such as jQuery, Microsoft Application Insights for telemetry, and OneTrust for cookie consent management, hosted on Microsoft Azure CDN. The site is well-optimized for mobile and accessibility, with clear navigation and multilingual support. Security posture is strong with HTTPS enforced and no visible vulnerabilities, although explicit security policies and incident response contacts are not published. Overall, the site reflects a trustworthy and established insurance provider with good compliance to privacy regulations.

The security scan identified 26 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: jQuery, Microsoft Application Insights, OneTrust Cookie Consent, Puzzel Chatbot.

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.lv Safe? Security Analysis for If P&C Insurance AS Latvijas filiāle

https://www.if.lv/

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

FinanceLatvialarge
jQueryMicrosoft Application InsightsOneTrust Cookie ConsentPuzzel Chatbot
Analyzed 6/18/2025Completed 11:34:40 AM9mo ago
67
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainif.lv
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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 Latvijas filiāle operates a professional and comprehensive insurance website targeting private individuals and businesses in Latvia. The company offers a wide range of insurance products including auto (KASKO, OCTA), home, pet, travel, and health insurance, supported by a customer portal for policy and claims management. The website demonstrates a mature digital infrastructure with modern technologies such as jQuery, Microsoft Application Insights for telemetry, and OneTrust for cookie consent management, hosted on Microsoft Azure CDN. The site is well-optimized for mobile and accessibility, with clear navigation and multilingual support. Security posture is strong with HTTPS enforced and no visible vulnerabilities, although explicit security policies and incident response contacts are not published. Overall, the site reflects a trustworthy and established insurance provider with good compliance to privacy regulations.

Detected Technologies

jQueryMicrosoft Application InsightsOneTrust Cookie ConsentPuzzel Chatbot

9 urgent findings need attention

1 critical · 8 high

  • + 1 more findings in the full report below
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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

4 findings

70/100

GDPR Compliance

3 findings

40/100

NIS2 Compliance

8 findings

10/100

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 Latvian insurance sector, providing essential insurance products to both private and corporate clients. The business model focuses on direct online sales and claims processing, supported by digital customer engagement tools. The presence of sister sites in Lithuania and Estonia indicates a regional Baltic presence. The company leverages analytics and marketing tools to optimize user experience and advertising relevance. The website content and structure support a professional brand image with consistent messaging and trust signals such as social media presence and privacy compliance.

Security Posture Analysis

Comprehensive Security Assessment

The website exhibits a solid security posture with enforced HTTPS and integration of monitoring tools like Microsoft Application Insights. Cookie consent is managed via OneTrust with granular user controls, supporting GDPR compliance. No critical security headers were explicitly found in the HTML but are likely implemented server-side. No exposed sensitive data or vulnerable libraries were detected. However, the absence of a published security policy or incident response contact limits transparency. The site would benefit from publishing a vulnerability disclosure policy and enhancing visible security documentation to improve user trust and compliance.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy page outlining security practices and compliance.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

If P&C Insurance AS Latvijas filiāle

Description:

If Apdrošināšana privātpersonām – KASKO, OCTA, ceļojumu, veselības, īpašuma, mājdzīvnieku un citu veidu apdrošināšana. Parūpējies par sev svarīgo.

Key Services:
Auto KASKO insuranceOCTA insuranceHome insurancePet insuranceTravel insuranceHealth insuranceClaims processing
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
jQueryMicrosoft Application InsightsOneTrust Cookie ConsentPuzzel Chatbot
Frameworks:
Ids Web Components
Platforms:
Azure CDN
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Use of Application Insights for monitoring
  • Cookie consent with granular controls
  • No exposed sensitive data in HTML

Analytics & Tracking

Services:
Google AnalyticsMicrosoft Application Insights
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Microsoft Application Insights
Marketing Tools:
OneTrust Cookie ConsentGoogle Analytics (via GTM)
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 blocking or WAF challenges

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

70/100
Score

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

40/100
Score

No Privacy Policy found

HIGH

GDPR requires a clear and accessible privacy policy

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, YouTube

GDPR Compliance Analysis

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

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

10/100
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

Critical sector without clear security compliance

HIGH

Detected sectors: energy, transport, banking, 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:spf.protection.outlook.com include:spf.if.eu ip4:81.198.79.198 -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.lv

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

77/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊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

Protection Level
none
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:20.82.76.88
Name Servers:
ns1-06.azure-dns.com
ns2-06.azure-dns.net
ns2.if.fi
ns3-06.azure-dns.org
ns4-06.azure-dns.info
MX Records:
10: if-lv.mail.protection.outlook.com
SOA:Serial: 2025040903, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:46ms

SPF Analysis

SPF Record:
v=spf1 include:spf.protection.outlook.com include:spf.if.eu ip4:81.198.79.198 -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.lv compare?

See how if.lv 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 uses a modern tech stack including jQuery, custom IDS web components, and Microsoft Azure hosting. Performance is moderate with preloading of fonts and images, and lazy loading techniques. SEO is well addressed with meta tags, Open Graph data, and structured navigation. Accessibility features such as ARIA labels and keyboard navigation aids are present. The CMS appears to be Episerver, supporting content management and search functionalities. The site integrates multiple third-party services for analytics, cookie consent, and chatbot support, indicating a mature digital ecosystem. Opportunities exist to improve performance optimization and security header visibility.
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

Domainif.lv
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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