Protect your journey the ethical way

Najmaa is not an insurance company. We are a member-owned community. That means:

• When you pay contributions, your money goes into a shared fund to help members when unexpected events happen.
• Unlike insurance companies, there are no shareholders taking profits. Any surplus stays in the fund or is used for community purposes.
• We don’t invest in harmful industries like gambling, alcohol, or weapons. Your money is only used in ways that support members and the community.
• Claims are considered with care, guided by principles of fairness, transparency, and community support.

Instead of being a customer of an insurance company, you are part of a mutual, a community where members support each other.

Najmaa may consider support for:

• Accidental damage;
• Theft or attempted theft;
• Vandalism or malicious damage;
• Fire, storm, hail, flood, or lightning; and
• Liability to others (up to $20 million, including legal defence costs).

You can also choose the optional Windscreen Protection add-on.

Eligibility rules apply – see PDS for details.

In some situations, Najmaa may also provide extra support after an accident or other covered event. This can include towing, emergency accommodation, help with keys if your vehicle is stolen and recovered, or return home assistance if your vehicle cannot be driven.

Najmaa Protection is for private passenger vehicles only. It does not cover commercial use (hire, rideshare, delivery, or reward), fully electric vehicles (EVs), trailers, or caravans. Only limited towing help is available after an accident, as explained in the PDS.

Najmaa may also decline support for unlawful acts (including unlicensed or impaired driving), wear and tear, mechanical or electrical failure, pre-existing damage, high-risk use (such as racing), or events like war, terrorism, or pandemics.

See the “What’s Not Protected” section of the PDS for full details.

No. Najmaa does not provide hire or replacement vehicles, and we do not offer roadside assistance.

No. Protection only applies to your nominated vehicle listed on your Protection Schedule.

Yes. CTP insurance is required by law to cover injury or death to other people caused by your vehicle.

Najmaa only considers vehicle and property damage. CTP must be arranged separately when registering your vehicle.

Windscreen replacement isn’t automatically included. If you’ve added the optional Windscreen Protection add-on, Najmaa may provide support to repair or replace damaged windscreen or window glass, subject to your standard Excess and the conditions in your PDS.

If your windscreen is damaged as part of an accident that also damages other parts of your vehicle, the add-on won’t apply — the claim will be handled as a standard Vehicle Protection claim.

For full details, see the “Optional Windscreen Protection Add-On” section of the PDS.

Yes. You can cancel anytime by giving written notice.

If you cancel within the 14-day cooling-off period and have not made a claim, you will receive a full refund.

If you cancel after the cooling-off period, you will receive a pro-rata refund for the unused portion of your Protection, less an administrative fee and a charitable donation. Please see the Product Disclosure Statement (PDS) for full details.

No. Najmaa currently only offers Comprehensive Vehicle Protection.

No. There are no waiting periods once your Protection Schedule is issued and your Contribution is paid.

We’re committed to handling all complaints promptly, fairly and with care. If you’re unhappy with any aspect of our service or wish to make a complaint, please contact us:

Email: complaints@najmaa.com.au
Phone: 13 NAJMAA (13 625 622)
Mail: Najmaa Complaints, PO Box 1290, Chatswood NSW 2057

We’ll acknowledge your complaint within 24 hours (or as soon as practicable) and aim to resolve it within 30 calendar days. If you need help making your complaint, please contact us by phone or email and we can assist you in lodging it.

If you’re not satisfied with our response or the outcome, you can contact the Australian Financial Complaints Authority (AFCA), a free, independent service for consumers:

Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: GPO Box 3, Melbourne VIC 3001