Understand your protection
Read these documents before deciding whether Najmaa Vehicle Protection suits your needs.
Product Disclosure Statement
How Vehicle Protection works, including support, limits, excesses, exclusions and risks.
Financial Services Guide
Who provides the financial services, how fees work and how to make a complaint.
Target Market Determination
Who the product is designed for and the circumstances it is intended to address.
Shariah certificate
ADL Advisory’s certification of Vehicle Protection and its period of validity.
Need help understanding a document?
Send us your question before you apply.
Contact NajmaaNajmaa Vehicle Protection is not insurance. It is a Shariah compliant Takaful protection product provided through a discretionary mutual.
Please read these before you apply. We record the version of each document that was available to you when you accepted your acknowledgements.
Product Disclosure Statement
Version 2026.11 · effective 30 October 2026The full wording for Najmaa Vehicle Protection at each level (Comprehensive, Third Party Fire and Theft, Third Party Property Damage): what is protected, the limits, the excesses, what is not protected and how claims are decided.
Open the PDSFinancial Services Guide Summary
Version 2026.05 · effective 1 May 2026Who 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.
Target Market Determination
Version 2026.11 · effective 30 October 2026Who Najmaa Vehicle Protection is designed for, including use for business purposes, and who it is not designed for.
Open the TMD