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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.

COMING SOON

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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)

Unlike traditional insurance, Najmaa works through a Takaful model built on shared responsibility and members helping each other. If you are accepted as a Member, a portion of your contribution is used to help run everything and requests for support are considered with the mutual model in mind. Any surplus is applied for the benefit of the mutual and the broader community. It’s not insurance, it’s Members looking out for each other — with structure.

VIEW OUR CERTIFICATION

Our values

For Members, not shareholders

We aim to keep contributions fair and accessible.

Real customer
care

Our team cares.
Just humans helping humans.

Values-Driven

Built on transparency, fairness and shared responsibility.

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, which are generally operated for shareholder returns, Najmaa Mutual is built on a Takaful model based on mutual assistance and shared responsibility.

Najmaa Mutual

  • Member-based model (no shareholders)
  • Contributions made to support the mutual model
  • Shariah compliant
  • Takaful (member-focused approach to risk)

Traditional insurers

  • Generally shareholder-owned
  • Profits generally distributed to shareholders
  • Not Shariah aligned
  • Risk is transferred from the customer to the insurer

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