If your website captures any customer details (especially a form that requests credit card / personal details) then the answer is yes, you need to have an SSL certificate installed on your website.

However, if you run an e-commerce site, online shop or any type of client login then having an SSL certificate is a must.

SSL stands for Secure Socket Layer and adds an extra layer of security to your website and the way the server handles your websites data.

If you don’t have an SSL certificate any user information sent from an online form to that websites server is transmitted in plain text, which obviously means it’s not very secure.

Installing an SSL certificate means any information sent is encrypted using a key that is unique to the website, the server receiving the information is the only recipient that has the key required to decrypt the information.

There are lots of providers of SSL certificates, but go for a quality certificate like Comodo, your hosting company should be able to supply the SSL cert that right for your site.