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Australia’s First Profit for Purpose Takaful

An ethical alternative to traditional insurance


A different way
than insurance

Built for fairness, guided by purpose
Protect. Invest. Empower

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Affordable Pricing

We believe protection should be accessible to everyone, that’s why we’ve kept our pricing fair and affordable

Car

Protect your car.


COMING SOON

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Home & Contents

Protect your home and everything inside.

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Small Business

Protect your business and the people behind it.

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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 cover: a small flat fee helps run things, and the rest is used to pay claims. If there’s money left, we give back. Everything is simple, transparent, and fair. It’s not insurance, it’s people looking out for each other, but with structure

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Our values

Fair and
affordable pricing

Our pricing is affordable, transparent, and fair

Real customer
care

Our team cares.
Just humans helping humans.

Values driven
business

We’re owned by our members,
not shareholders.

Start a policy in minutes

We know your time’s valuable. That’s why we’ve made getting cover 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 the community — not corporate pockets.

Traditional insurers

  • Shareholder owned
  • Profits go to shareholders
  • Not shariah compliant
  • Traditional Risk Transfer

Najmaa Mutual

  • Member owned (no shareholders)
  • Surplus used to strengthen member benefits or support communities
  • Fully Shariah-Compliant
  • Takaful (Risk shared among members)

Join the movement

Subscribe and see the impact we can create together.

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© Najmaa 2025. All rights reserved

This communication is issued by Najmaa Group Pty Ltd (ACN 616 855 504, AFSL 527623). Takaful Protection is issued by Najmaa Mutual Limited (ACN 686 285 450). Takaful Protection is not the same as insurance.

Any advice provided is general in nature and does not take into account your objectives, financial situation, or needs. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) to ensure our products are appropriate for you.

You can also access the Target Market Determination (TMD) and Privacy Policy on our website for more information on how we handle your personal information.