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Is state.co.nz a Scam? Security Check Results - State Insurance NZ

state.co.nz Security Report Summary

state.co.nz received a security score of 63 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers State Insurance NZ's website security posture. State Insurance NZ operates in the Finance industry in New Zealand.

State Insurance NZ is a well-established insurance provider in New Zealand offering a broad range of insurance products including car, home, contents, travel, landlord, and business insurance. The company emphasizes customer ease with online quoting, policy management, and claims processing. Their market position is strong, supported by multiple industry awards and a high financial strength rating. Technically, the website is built on Adobe Experience Manager, uses modern web technologies, and is optimized for performance and mobile devices. Security posture is robust with HTTPS, security headers, and secure login portals, although explicit security policies and incident response contacts are not publicly detailed. Overall, the website is professional, trustworthy, and compliant with privacy regulations, making it a reliable digital presence for the company.

The security scan identified 30 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: Adobe Helix RUM, Google Fonts, Vidyard video embed, Boomerang Real User Monitoring, Akamai CDN, Adobe Experience Manager (AEM).

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 state.co.nz Safe? Security Analysis for State Insurance NZ

https://state.co.nz

Check if state.co.nz is a scam or legitimate. Free security scan and reviews.

FinanceNew Zealandlarge
Adobe Helix RUMGoogle FontsVidyard video embedBoomerang Real User MonitoringAkamai CDN+1 more
Analyzed 10/3/2025Completed 4:34:14 PM5mo ago
63
Security Score
MEDIUM RISK

Below Finance avg (78)

10,000+

Domains scanned

500+

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Domainstate.co.nz
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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

State Insurance NZ is a well-established insurance provider in New Zealand offering a broad range of insurance products including car, home, contents, travel, landlord, and business insurance. The company emphasizes customer ease with online quoting, policy management, and claims processing. Their market position is strong, supported by multiple industry awards and a high financial strength rating. Technically, the website is built on Adobe Experience Manager, uses modern web technologies, and is optimized for performance and mobile devices. Security posture is robust with HTTPS, security headers, and secure login portals, although explicit security policies and incident response contacts are not publicly detailed. Overall, the website is professional, trustworthy, and compliant with privacy regulations, making it a reliable digital presence for the company.

Detected Technologies

Adobe Helix RUMGoogle FontsVidyard video embedBoomerang Real User MonitoringAkamai CDNAdobe Experience Manager (AEM)

10 urgent findings need attention

10 high

  • + 2 more findings in the full report below
Continuous monitoring

Keep state.co.nz under constant watch

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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SSL/TLS Security

2 findings

80/100

DNS Health

4 findings

70/100

Email Security

3 findings

85/100

GDPR Compliance

3 findings

58/100

🧠AI Business Intelligence

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

Business Intelligence

Market & Strategic Analysis

The company targets New Zealand residents and businesses seeking insurance solutions. Their business model focuses on direct-to-consumer sales via online platforms and customer self-service portals. The presence of partner domains such as CoverMore for travel insurance and branded tools like Tally for contents valuation indicates a mature partnership ecosystem. The company benefits from strong brand recognition and trust signals, positioning it competitively in the New Zealand insurance market.

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a mature security posture with enforced HTTPS, comprehensive security headers, and no visible vulnerabilities or exposed sensitive data. However, the absence of a public security policy, incident response contact, and vulnerability disclosure program suggests areas for improvement in transparency and incident readiness. Data protection practices appear aligned with GDPR and local privacy laws, but explicit DPO contact details are not found.

Strategic Recommendations

Priority Actions for Security Improvement

1

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

Observations

AI-powered comprehensive website and business analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

State Insurance NZ

Description:

Award-winning insurance provider offering car, house, contents, travel, landlord, and business insurance products in New Zealand. The company emphasizes ease of use, online quotes, and policy management.

Key Services:
Car InsuranceHome & Contents InsuranceLandlord InsuranceTravel InsuranceBusiness InsuranceRoadside Rescue
Content Quality:

excellent

Branding:

consistent

Technical Stack

Technologies:
Adobe Helix RUMGoogle FontsVidyard video embedBoomerang Real User MonitoringAkamai CDNAdobe Experience Manager (AEM)
Frameworks:
Adobe Experience Manager
Platforms:
Web
Performance:

fast

Mobile:

excellent

Accessibility:

good

SEO:

good

Security Assessment

Security Score:
90/100
Best Practices:
  • HTTPS enforced
  • Secure login portals
  • No exposed sensitive data in HTML
  • Use of security headers

Analytics & Tracking

Services:
Boomerang Real User Monitoring
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Boomerang Real User Monitoring
Marketing Tools:
Adobe Helix RUMBoomerang RUM
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 with rich content and navigation

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

25/100
Score

Weak Strict-Transport-Security configuration

LOW

Current value: "max-age=86400 ; includeSubDomains"

Missing X-Frame-Options header

HIGH

Prevents clickjacking attacks

Missing X-Content-Type-Options header

MEDIUM

Prevents MIME type sniffing

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

58/100
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

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

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

🛡️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: energy, 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

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:rnmk.com include:_spf.aotal.cloud include:mailsy.custhelp.com ip4:202.50.0.97 ip4:202.50.5.97 -all
DNS Lookups:4/10
Policy:-all
DKIM Selectors Found
Selector:selector1(1296-bit rsa)
DMARC Details
Policy:reject
Aggregate Reports:dmarc.reporting@iag.com.au
Forensic Reports:dmarc.reporting@iag.com.au

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

80/100
Score

Weak SSL Key Length

HIGH

SSL certificate uses 256-bit key, which is considered weak

Partial SSL/TLS Assessment

LOW

Completed 2 of 4 security checks due to time constraints

Certificate Details

Subject:state.co.nz
Issuer:DigiCert Global G3 TLS ECC SHA384 2020 CA1
Valid Until:5/21/2026 (230 days)
SANs:state.co.nz, business.state.co.nz, download.state.co.nz +2 more

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
23 years(mature)
Protection Level
noneDNSSEC OFF
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:2.22.31.66, 2.22.31.19
AAAA Records:2a02:26f0:41::216:1fc2, 2a02:26f0:41::216:1fb2
Name Servers:
a1-129.akam.netDNS only
a11-66.akam.net
a26-67.akam.netDNS only
a28-64.akam.net
a3-65.akam.net
a4-66.akam.net
MX Records:
0: state-co-nz.mail.protection.outlook.com
SOA:Serial: 2017022941, TTL: 172800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:140ms

SPF Analysis

SPF Record:
v=spf1 include:spf.protection.outlook.com include:rnmk.com include:_spf.aotal.cloud include:mailsy.custhelp.com ip4:202.50.0.97 ip4:202.50.5.97 -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 state.co.nz compare?

See how state.co.nz 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 Adobe Experience Manager, leveraging Akamai CDN for hosting and performance optimization. It uses modern JavaScript libraries and real user monitoring tools like Boomerang and Adobe Helix RUM to track performance. The site is mobile-optimized with responsive design and uses Google Fonts for typography. SEO is well implemented with meta tags, Open Graph, and JSON-LD structured data. Accessibility features are present but could be further enhanced. Overall, the technical infrastructure is modern and robust, supporting a high-quality user experience.
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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

Domainstate.co.nz
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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