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Is laqo.hr a Scam? Security Check Results - LAQO by Croatia osiguranje

laqo.hr Security Report Summary

laqo.hr received a security score of 64 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers LAQO by Croatia osiguranje's website security posture. LAQO by Croatia osiguranje operates in the Transportation industry in Croatia.

LAQO by Croatia osiguranje is a pioneering digital insurance provider in Croatia, offering fully digital insurance products including vehicle, property, travel, and pet insurance. The company leverages modern web technologies and a user-friendly mobile app to deliver seamless insurance contracting and claims processes. Positioned as an innovative market player, LAQO targets Croatian residents seeking convenient and cost-effective insurance solutions. The website demonstrates strong digital maturity with Angular framework, Google Tag Manager, and integration of live chat support. Security posture is solid with HTTPS and secure form handling, though explicit security policies and incident response contacts are absent. Privacy compliance is well addressed with GDPR-aligned policies and cookie consent mechanisms. Overall, LAQO presents a trustworthy and professional online presence aligned with its business objectives.

The security scan identified 28 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: Angular 18, Google Tag Manager, LiveChat by Infobip, Flickity slider, Lottie animations, Custom fonts (Roobert).

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 laqo.hr Safe? Security Analysis for LAQO by Croatia osiguranje

https://laqo.hr

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

TransportationCroatiamedium
Angular 18Google Tag ManagerLiveChat by InfobipFlickity sliderLottie animations+1 more
Analyzed 10/8/2025Completed 12:00:54 AM5mo ago
64
Security Score
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Domains scanned

500+

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Domainlaqo.hr
Access tierFull report or marketing add-on

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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

LAQO by Croatia osiguranje is a pioneering digital insurance provider in Croatia, offering fully digital insurance products including vehicle, property, travel, and pet insurance. The company leverages modern web technologies and a user-friendly mobile app to deliver seamless insurance contracting and claims processes. Positioned as an innovative market player, LAQO targets Croatian residents seeking convenient and cost-effective insurance solutions. The website demonstrates strong digital maturity with Angular framework, Google Tag Manager, and integration of live chat support. Security posture is solid with HTTPS and secure form handling, though explicit security policies and incident response contacts are absent. Privacy compliance is well addressed with GDPR-aligned policies and cookie consent mechanisms. Overall, LAQO presents a trustworthy and professional online presence aligned with its business objectives.

Detected Technologies

Angular 18Google Tag ManagerLiveChat by InfobipFlickity sliderLottie animationsCustom fonts (Roobert)

11 urgent findings need attention

1 critical · 10 high

  • + 3 more findings in the full report below
Continuous monitoring

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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

4 findings

60/100

GDPR Compliance

4 findings

25/100

NIS2 Compliance

9 findings

2/100

Email Security

4 findings

75/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

LAQO operates as a digital-first insurance platform under the Croatia osiguranje umbrella, focusing on direct-to-consumer sales via its website and mobile app. Its competitive advantages include 100% digital contracting, instant claims reporting, and innovative programs like LaqoPrevent for safe driving rewards. The business model centers on leveraging technology to reduce friction and costs in insurance purchasing. The company targets individual consumers in Croatia, emphasizing convenience and transparency. Partnerships with local hosting and payment domains support its operations. Growth indicators include recent domain registration consistent with business launch and active social media engagement. Strategic observations highlight the importance of expanding security transparency and incident response readiness to enhance customer trust further.

Security Posture Analysis

Comprehensive Security Assessment

The website exhibits a mature security posture with enforced HTTPS, secure form inputs, and no visible exposure of sensitive data. Use of modern frameworks and third-party services like Google Tag Manager and Infobip LiveChat is well managed. However, the absence of explicit security policies, incident response contacts, and vulnerability disclosure mechanisms represents a compliance gap. Security headers are implied but not explicitly confirmed, suggesting room for improvement. No vulnerabilities or suspicious domains were detected. The overall security maturity is good but would benefit from enhanced transparency and formalized security documentation to meet higher compliance standards such as ISO 27001 or NIST frameworks.

Strategic Recommendations

Priority Actions for Security Improvement

1

Publish a dedicated security policy page detailing security practices and controls.

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

LAQO by Croatia osiguranje

Description:

Digital insurance services offering vehicle insurance, property insurance, travel insurance, and pet insurance with fully digital contracting and claims processes.

Key Services:
Vehicle insurance (Obvezno and Kasko)Property insurance (home and apartment)Travel insurance (single and annual trips)Pet insurance (dogs and cats)
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
Angular 18Google Tag ManagerLiveChat by InfobipFlickity sliderLottie animationsCustom fonts (Roobert)
Frameworks:
Angular
Platforms:
Web
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • HTTPS enforced
  • Secure forms with validation
  • No exposed sensitive data in HTML
  • Use of modern JS frameworks with security in mind

Analytics & Tracking

Services:
Google Analytics (via GTM)
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Marketing Tools:
LiveChat by Infobip
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 and not blocked by any WAF or security challenge.

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

60/100
Score

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 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

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, Google APIs

GDPR Compliance Analysis

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

🛡️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, banking, digital

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📧Email Security

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

Email Security

SPF, DKIM, and DMARC validation

75/100
Score

DMARC not enforcing

MEDIUM

DMARC policy is set to "none"

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 mx a include:_spf.mail03-userengage.com include:spf.protection.outlook.com -all
DNS Lookups:4/10
Policy:-all
DKIM Selectors Found
Selector:k1(1296-bit rsa)
DMARC Details
Policy:none
Aggregate Reports:dmarc@mail03-userengage.com

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

82/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

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

80/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

DMARC Policy Set to None

LOW

DMARC is configured but not enforcing any policy

DNS Records

A Records:91.223.29.57
Name Servers:
crsvdns1.crosig.hrDNS only
crsvdns2.crosig.hrDNS only
MX Records:
10: crsmail01.crosig.hr
10: crsmail02.crosig.hr
SOA:Serial: 96, TTL: 3600s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:218ms

SPF Analysis

SPF Record:
v=spf1 mx a include:_spf.mail03-userengage.com include:spf.protection.outlook.com -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 laqo.hr compare?

See how laqo.hr 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 Angular 18, leveraging modern JavaScript frameworks and libraries such as Flickity for sliders and Lottie for animations, ensuring a rich user experience. Hosting is provided by a local Croatian provider, Plus Hosting Grupa d.o.o., with domain registration consistent with business operations. Performance is optimized with responsive design, lazy loading of images, and preconnect hints for external domains. SEO is supported by proper meta tags and Open Graph data. Accessibility features include ARIA labels and keyboard navigation support. The CMS appears to be Strapi, inferred from API endpoints and media hosting patterns. Overall, the technical infrastructure is modern, performant, and well-structured, supporting the business's digital-first approach.
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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

Domainlaqo.hr
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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