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Najmaa’s protection products are not yet available and will only be offered after launch- register now!

Australia’s First Takaful

An alternative to traditional insurance


A different way
than insurance

Built for fairness, guided by purpose.

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Built on International Shariah Standards

BCCM Mutuals Associate Member

Shariah Compliant

(Click to view certification)

Engaging with Global Leaders

Our Pricing

We believe protection should be accessible to everyone. That’s why we aim to keep contributions fair for our members.

Car

Protect your car.


COMING SOON

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Home & Contents

Protect your home and everything inside.

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Business

Protect your business and the people behind it.

COMING SOON

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How Najmaa works

(The Takaful way)

We are a Takaful mutual that reverses the traditional insurance model. Everyone contributes when they purchase protection: a percentage of your contribution supports running Najmaa, and we consider claims for support with our members in mind. Any surplus helps support members and Najmaa. Everything is simple, transparent, and fair. It’s not insurance, it’s people looking out for each other, but with structure.

VIEW OUR CERTIFICATION

Our values

For people,
not profit

We aim to keep contributions fair and accessible.

Real customer
care

Our team cares.
Just humans helping humans.

Values driven
business

We’re owned by our members,
not shareholders.

Get started in minutes

We know your time’s valuable. That’s why we’ve made getting protection simple, just a few questions and you’re done.

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Najmaa Mutual vs. Traditional insurers

Unlike traditional insurers built for shareholder profits, Najmaa is built for people. We’re a member-owned mutual that reinvests into member benefits or the community, not corporate pockets.

Najmaa Mutual

  • Member owned (no shareholders)
  • Surplus used to strengthen member benefits or support communities
  • Fully Shariah-Compliant
  • Takaful (member focused approach to risk)

Traditional insurers

  • Shareholder owned
  • Profits go to shareholders
  • Not shariah compliant
  • Risk is transferred to the insurer

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© Najmaa 2025. All rights reserved

Important Information
Protection is arranged by Najmaa Group Pty Ltd (ABN 47 616 855 504, AFSL 527623) and issued by Najmaa Mutual Limited (ABN 39 686 285 450).

Administration Services are provided by Najmaa Management Services Australia Pty Ltd (ABN 40 678 802 232), a Corporate Authorised Representative of Najmaa Group Pty Ltd.

Protection is not insurance and is provided at the discretion of Najmaa Mutual Limited.

Any advice is general advice only and does not take into account your objectives, financial situation or needs. Please read the relevant Product Disclosure Statement, Financial Services Guide and Target Market Determination and consider whether our products are appropriate for you.