Shariah compliant
Vehicle Protection is Shariah certified, and every product we launch will be.
View the certificateDigital-first
All processes are done online, quick and easy.
Backing community
5% of the Base Contribution goes towards a Community Fund.
Not for profit
Operating for collective benefit, not profits.
Our pricing
Protection should be accessible to everyone and our unique model allows us to keep contributions fair.
How Najmaa works
Shared responsibility. Clear steps.
Members’ contributions go into one shared pool. When a member needs help, support comes from that pool, based on need. Faith and shared values guide how the pool is run.
Get a quote
Tell us about what you want to protect. You'll see your price in a few minutes, and exactly what’s in it.
Join
Apply and pay your contribution, yearly or monthly. Once accepted, you’re a member.
Your money goes into a shared pool
Most of it protects members, a set fee runs Najmaa, and 5% of the Base Contribution goes to the Community Fund. The pool is managed to avoid interest and prohibited investments.
Ask for help when you need it
In an emergency, call 1300 479 207. We assess your request under your PDS. Large losses are backed by some of the world’s largest global ReTakaful providers.
Surplus goes to purpose, not profit
We're not-for-profit. After keeping safe reserves, any surplus goes back to the fund and the community.
Community Fund
Our community, our responsibility
All contributions include an allocation to the Najmaa Community Fund.
Our model is built on future-proofing our community through supporting community organisations doing essential work in health, education and social justice.
Discover the Community FundOur values
Our values shape how protection is structured, how contributions are used and how we explain our choices.
Transparency
We ensure all decisions are made with care and openness.
Faith
Our faith guides our work.
Communal
We believe in shared protection.
Frequently asked questions
Is Najmaa halal?
ADL Advisory has certified Vehicle Protection as Shariah compliant. The certificate covers this product and runs until 30 April 2027.
How does the Community Fund work?
Administered by Awqaf Australia, the Community Fund is built on 5% of the Base Contribution and provides funding to health, education, social justice and community services. The aim is to help community organisations become more financially sustainable so they can keep serving people without relying on constant fundraising.
Do I need to be Muslim?
People of all faiths and backgrounds can apply.
Is Najmaa certified to provide protection?
Najmaa Group Pty Ltd holds Australian Financial Services Licence 527623, issued by ASIC, and Najmaa Mutual Limited issues protection under an intermediary agreement with that company.
Requests for support are assessed under its product terms and payments made at the mutual’s discretion.