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Is nfumutual.co.uk a Scam? Security Check Results - National Farmers Union Mutual Insurance Society Limited

nfumutual.co.uk Security Report Summary

nfumutual.co.uk received a security score of 46 out of 100 in Guard's comprehensive security analysis, classified as "Elevated Risk". This report covers National Farmers Union Mutual Insurance Society Limited's website security posture. National Farmers Union Mutual Insurance Society Limited operates in the Finance industry in United Kingdom.

NFU Mutual is a well-established UK-based insurance and financial services provider with a strong market position, offering a wide range of insurance products including home, motor, business, farming, and life cover, as well as investment and pension services. The company operates through a network of over 280 local agency offices, emphasizing personal service and local presence. The website reflects a mature digital infrastructure using modern technologies such as React, Google Tag Manager, and Microsoft Application Insights, with good mobile optimization and accessibility features. Security posture is strong with HTTPS, reCAPTCHA, and cookie consent mechanisms in place, although explicit security policy and incident response contacts are not found. Overall, the site is professional, trustworthy, and compliant with privacy regulations, supporting NFU Mutual's reputable brand image.

The security scan identified 37 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: React, jQuery, Google Tag Manager, Microsoft Application Insights, OneTrust Cookie Consent, Trustpilot Widget, Google reCAPTCHA.

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 nfumutual.co.uk Safe? Security Analysis for National Farmers Union Mutual Insurance Society Limited

http://nfumutual.co.uk

Check if nfumutual.co.uk is a scam or legitimate. Free security scan and reviews.

FinanceUnited Kingdomlarge
ReactjQueryGoogle Tag ManagerMicrosoft Application InsightsOneTrust Cookie Consent+2 more
Analyzed 6/18/2025Completed 8:46:17 AM9mo ago
46
Security Score
HIGH RISK

Below Finance avg (78)

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Domains scanned

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Domainnfumutual.co.uk
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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

AI Summary

NFU Mutual is a well-established UK-based insurance and financial services provider with a strong market position, offering a wide range of insurance products including home, motor, business, farming, and life cover, as well as investment and pension services. The company operates through a network of over 280 local agency offices, emphasizing personal service and local presence. The website reflects a mature digital infrastructure using modern technologies such as React, Google Tag Manager, and Microsoft Application Insights, with good mobile optimization and accessibility features. Security posture is strong with HTTPS, reCAPTCHA, and cookie consent mechanisms in place, although explicit security policy and incident response contacts are not found. Overall, the site is professional, trustworthy, and compliant with privacy regulations, supporting NFU Mutual's reputable brand image.

Detected Technologies

ReactjQueryGoogle Tag ManagerMicrosoft Application InsightsOneTrust Cookie ConsentTrustpilot WidgetGoogle reCAPTCHA

21 urgent findings need attention

12 critical · 9 high

  • + 13 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

5 findings

55/100

GDPR Compliance

2 findings

63/100

NIS2 Compliance

8 findings

5/100

Email Security

3 findings

85/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

NFU Mutual holds a competitive advantage as a trusted insurer with multiple industry awards including Which? Insurance Brand of the Year 2025 and Defaqto 5 Star ratings. Their business model focuses on personalized insurance and financial planning services delivered via a widespread agency network. The company targets UK residents, farmers, and businesses, leveraging strong brand recognition and regulatory compliance to maintain market leadership. Partnerships such as Islands Insurance indicate strategic ecosystem collaborations. The website content and structure support customer engagement and conversion through clear navigation and multiple contact points.

Extracted Contact Information

Marketing Intelligence Data

Company Registration

Legal Name:

The National Farmers Union Mutual Insurance Society Limited

Registration Number:

111982

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with enforced HTTPS, use of Google reCAPTCHA to prevent automated abuse, and comprehensive cookie consent management via OneTrust. Security headers and script integrity attributes are present, enhancing protection against common web threats. However, the absence of a publicly available security policy or incident response contact information represents a compliance gap. No vulnerabilities or exposed sensitive data were detected in the analyzed content. The site aligns well with GDPR requirements, reflecting a strong security culture and privacy awareness.

Strategic Recommendations

Priority Actions for Security Improvement

1

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

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

National Farmers Union Mutual Insurance Society Limited

Description:

NFU Mutual offers personal insurance services with over 280 UK agencies, covering home, farm, business insurance, and financial planning including pensions and investments.

Key Services:
Home InsuranceMotor InsuranceBusiness InsuranceFarming InsuranceInvestments and PensionsLife Cover and Protection
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
ReactjQueryGoogle Tag ManagerMicrosoft Application InsightsOneTrust Cookie ConsentTrustpilot WidgetGoogle reCAPTCHA
Frameworks:
React
Performance:

moderate

Mobile:

good

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
85/100
Best Practices:
  • Use of HTTPS
  • Use of Google reCAPTCHA
  • Cookie consent management via OneTrust
  • Application Insights monitoring
  • Integrity attributes on external scripts

Analytics & Tracking

Services:
Google Analytics (via GTM)Microsoft Application InsightsInfinity TrackingOptimizely
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Ad Networks:
Google DoubleClick
Tracking Pixels:
Google Analytics (implied via GTM)Infinity TrackingOptimizely
Marketing Tools:
OptimizelyTrustpilot
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 professionally designed and well-structured

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

55/100
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 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

63/100
Score

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

No HTTPS encryption

CRITICAL

GDPR requires appropriate security measures for personal data

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
phone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

5/100
Score

No HTTPS encryption

CRITICAL

NIS2 requires appropriate technical measures including encryption

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:%{i}._ip.%{h}._ehlo.%{d}._spf.vali.email ~all
DNS Lookups:1/10
Policy:~all
DKIM Selectors Found
Selector:selector1(1296-bit rsa)
Selector:mail(1416-bit rsa)
Selector:s1(1440-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:dmarc_agg@vali.email
Forensic Reports:spam_quarantine@nfumutual.co.uk

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

0/100
Score

No HTTPS Encryption

CRITICAL

Website does not use HTTPS encryption, making all data transmission vulnerable to interception

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

Domain Age
27 years(mature)
Expiry Risk
medium(expired)
Protection Level
none
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:217.114.94.2
Name Servers:
auth0020.ns.eu.uu.netDNS only
auth0030.ns.eu.uu.netDNS only
MX Records:
10: nfumutual-co-uk.mail.protection.outlook.com

DNSSEC Status

DNSSEC Not Enabled

SPF Analysis

SPF Record:
v=spf1 include:%{i}._ip.%{h}._ehlo.%{d}._spf.vali.email ~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 nfumutual.co.uk compare?

nfumutual.co.uk scores below average. Browse similar domains to see how competitors handle security.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website is built using React with server-side hydration, supported by jQuery for legacy interactions. It employs Google Tag Manager for analytics and marketing tag management, Microsoft Application Insights for performance monitoring, and OneTrust for cookie consent compliance. The site uses modern web standards with responsive design and accessibility considerations. Performance is moderate, with room for optimization in script loading and asset delivery. The CMS appears to be EpiServer, indicating a robust enterprise content management platform. Overall, the technical infrastructure supports a professional and scalable online presence with opportunities for further modernization.
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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

Domainnfumutual.co.uk
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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