Is lumley.co.nz Safe? Security Analysis for Lumley Insurance
Check if lumley.co.nz is a scam or legitimate. Free security scan and reviews.
AI Summary
Lumley Insurance is a New Zealand-based general insurer backed by IAG New Zealand Limited, the largest general insurer in Australia and New Zealand. The company offers a broad range of insurance products including transport, construction, marine, property, casualty, and personal lines insurance. Lumley operates primarily through a network of independent brokers and corporate partnerships, targeting business customers and insurance intermediaries. The website reflects a professional and consistent brand presence with clear trust indicators such as membership in the Insurance Council of New Zealand and adherence to the Fair Insurance Code. Technically, the site is built on Adobe Experience Manager, leveraging modern web technologies and tracking tools, with good mobile optimization and SEO practices. Security posture is solid with HTTPS enforced and no visible vulnerabilities, though improvements could be made by adding explicit security headers and a cookie consent mechanism. Privacy compliance is basic, with a privacy policy present but no cookie banner or GDPR-specific disclosures. WHOIS data is not publicly available, likely due to privacy protection, which is justified for this type of business. Overall, the website is trustworthy, professional, and well-maintained, suitable for its target audience.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Lumley Insurance holds a strong market position in New Zealand's insurance sector as part of the IAG group. Its business model relies on intermediated sales through brokers and partnerships, which is typical for the insurance industry. The company emphasizes financial stability and regulatory compliance, as evidenced by links to financial ratings and disclosure pages. The website's external links to partner domains and industry bodies reinforce its credibility. The absence of direct phone numbers or physical addresses on the main site suggests a focus on broker-mediated customer interactions. The use of advanced web technologies and analytics indicates a mature digital presence, supporting customer engagement and operational efficiency.
Extracted Contact Information
Marketing Intelligence Data
Email Addresses (1)
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a mature security posture with HTTPS enforced and no exposed sensitive information in the HTML content. Use of deferred and asynchronous scripts helps performance without compromising security. However, the lack of explicit security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options represents an area for improvement. No vulnerability disclosure or security.txt file is present, which could enhance transparency and incident response readiness. The presence of a customer support email for complaints and fair conduct program information indicates some level of incident response capability. Overall, the security posture is good but could be strengthened with additional headers and formal vulnerability disclosure mechanisms.
Strategic Recommendations
Priority Actions for Security Improvement
Implement and enforce security headers including CSP, HSTS, and X-Frame-Options to enhance protection against common web attacks.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Lumley Insurance
Lumley is backed by IAG, the largest general insurer in Australia and New Zealand, offering major classes of general insurance with expertise in transport, construction, engineering, liability, marine, property, casualty, and personal lines. Business is transacted via independent brokers and corporate partnerships.
good
consistent
Technical Stack
moderate
good
basic
good
Security Assessment
- HTTPS enforced
- No exposed sensitive data in HTML
- Use of deferred and async scripts
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed and maintained using Adobe Experience Manager.
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Weak Strict-Transport-Security configuration
LOWCurrent value: "max-age=86400 ; includeSubDomains"
Missing X-Frame-Options header
HIGHPrevents clickjacking attacks
Missing X-Content-Type-Options header
MEDIUMPrevents MIME type sniffing
Missing Content-Security-Policy header
HIGHControls resources the browser is allowed to load
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Missing Referrer-Policy header
LOWControls referrer information sent with requests
Missing Permissions-Policy header
MEDIUMControls browser features and APIs
Sensitive data may be cached
LOWCache-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
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
Privacy policy may not be GDPR compliant
MEDIUMPrivacy policy lacks explicit GDPR compliance elements
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No information security framework found
HIGHNIS2 requires documented cybersecurity and information security measures
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No security policy documentation found
HIGHNIS2 requires documented cybersecurity governance and risk management
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
No BIMI Record
LOWBIMI displays brand logos in email clients
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
DKIM Selectors Found
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak SSL Key Length
HIGHSSL certificate uses 256-bit key, which is considered weak
Mixed Content Detected
MEDIUM1 resources loaded over insecure HTTP
Partial SSL/TLS Assessment
LOWCompleted 2 of 4 security checks due to time constraints
Certificate Details
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
Domain Transfer Lock Not Enabled
MEDIUMDomain can be transferred without authorization
Domain Delete Lock Not Enabled
LOWDomain can be deleted without additional verification
Domain Registration Details
- •No domain protection locks enabled
DNS Records
DNSSEC Status
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings