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Protect your journey the Takaful way

Drive with confidence, with a clear way to request support

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Vehicle protection

Najmaa offers vehicle protection based on Takaful – a structured approach designed to support members. It’s not insurance. It’s a different way to approach protection.You apply and make your contribution. If accepted, you become a member and can request support if something happens.

Here's what we cover:

Cars

Utes

Vans

Why choose Najmaa Vehicle Protection?

Shariah-aligned

Structured in line with shariah principles.

A considered approach

Requests for support are assessed individually and determined at the Board’s discretion.

Clear and structured

The Certificate of Protection sets out the protection in a simple and transparent way.

Managing large events

Najmaa has arrangements in place with established Shariah-compliant Retakaful providers to help manage large or unexpected events affecting the mutual

Where we may offer support

Najmaa may, in its discretion, consider providing support in the following circumstances.

Accidental
damage

Damage to your vehicle in an accident.

Theft & attempted theft

Your vehicle being stolen or damaged due to attempted theft.

Weather damage

Damage to your vehicle caused by fire, storm, hail, flood or lightning. 14-day waiting period applies to these events.

Damage to other people’s property

Damage your vehicle may cause to another person’s property. Up to $20,000,000 per incident.

Vandalism

Deliberate or malicious damage to your vehicle.

Emergency support

Towing, storage or transport following an incident. Towing and storage up to $500. Transport up to $100 per incident.

Emergency accommodation

Temporary accommodation following an incident. Up to $1,000 per incident.

Child seats

Replacement of child seats due to an accident or theft. Up to $500 per incident.

Windscreen protection (optional)

Repair or replacement of your front windscreen. Up to $1,000 per incident. Additional excess applies.

What we don't support

Support may not be provided in the following circumstances:

Electric vehicles

Electric vehicles are not eligible for protection. Hybrid vehicles are included.

Commercial use

Vehicles used for commercial purposes are generally not eligible.

Personal property

Personally belongings inside your vehicle are generally not supported.

Non-standard modifications

Vehicles modified from the manufacturer’s original specifications are generally not supported.

Important information

Vehicle Protection is not insurance. Claims are requests for support and do not create a contractual entitlement to payment. Eligibility criteria, conditions, exclusions and limits apply in accordance with the Product Disclosure Statement and Constitution.

Documents and key information

Access the essential documents that explain how our products work, who they’re intended for, and the services we provide.

SEE KEY DOCUMENTS

“Vehicle protection built on member support“

Frequently Asked Questions

  • 1. How is Najmaa different from traditional insurance?

  • 2. Can someone else drive my car?

  • 3. Does Najmaa support me if I drive someone else’s car?

  • 4. Do I still need CTP insurance?

  • 5. How do i cancel my protection?

  • 6. How can I switch to Najmaa if I already have insurance?

  • 7. How do i renew my car protection?

  • 8. How do I make a complaint or provide feedback?

  • 9. Do you support customers experiencing vulnerability?

Request assistance

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