Disclosure documents

The full wording for Najmaa Vehicle Protection: what is protected, the limits, the excesses, what is not protected and how claims are decided.

Who Najmaa is, the services provided to you, how we are paid and how to raise a complaint.

Who we are

Najmaa Mutual Limited is an Australian discretionary mutual. Vehicle Protection is offered to Members of the mutual and is not a contract of insurance.

The services we provide

We provide protection to Members, assess and decide claims, administer contributions and manage Member records. We do not provide personal financial advice about your objectives, financial situation or needs.

How we are paid

Your contribution includes an administration fee and a service fee, both shown on your quote and your certificate before you pay. Any referral arrangements are disclosed to you at the time.

If something goes wrong

Contact Najmaa first so we can put it right. If you are not satisfied with our response you can ask for the matter to be escalated through our complaints process.

Who Najmaa Vehicle Protection is designed for, including use for business purposes, and who it is not designed for.

The rules that govern Membership of Najmaa Mutual Limited.

Membership

Membership of Najmaa Mutual Limited is applied for, and commences only if the application is accepted by Najmaa. Your Membership is governed by the Constitution from that date.

Member obligations

Members give true and complete information, keep their details up to date, pay contributions when due and act in good faith towards the mutual.

Discretion

Protection is provided at the discretion of Najmaa in accordance with the Constitution and the approved product wording. The detailed explanation of the discretionary nature sits in the PDS.

Ending Membership

Membership may end if you ask to leave, if contributions are not paid, or in the circumstances set out in the Constitution.