Is state.co.nz Safe? Security Analysis for State Insurance NZ
Check if state.co.nz is a scam or legitimate. Free security scan and reviews.
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
🧠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
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
State Insurance NZ
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.
excellent
consistent
Technical Stack
fast
excellent
good
good
Security Assessment
- HTTPS enforced
- Secure login portals
- No exposed sensitive data in HTML
- Use of security headers
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is fully accessible with rich content and navigation
🛡️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
Critical sector without clear security compliance
HIGHDetected sectors: energy, transport, banking, digital
📧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
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
DNS Performance
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