Shariah-Compliant Vehicle Protection for Australian Muslims
Looking for a Takaful-based alternative to traditional car insurance in Australia? Meezan Wealth is pleased to introduce Najmaa Vehicle Protection, a mutual assistance product structured in line with Shariah principles and designed for eligible Australian motorists.
Najmaa provides and manages the Vehicle Protection product, while Meezan Wealth helps connect the Australian Muslim community with this faith-aligned protection option.
Protect your journey the Takaful way with Najmaa Vehicle Protection.
Explore a clear and structured approach to vehicle protection built around mutual assistance, member contributions and Shariah principles.
Takaful-Based Vehicle Protection for Cars, Utes & Vans
Najmaa provides Vehicle Protection for eligible cars, utes and vans through a structured mutual assistance model based on Takaful principles.
Meezan Wealth helps make Australian Muslims aware of this alternative and provides a direct pathway to Najmaa, where eligibility, applications, contributions and protection are managed.
Vehicles We Help Protect
Cars
Protection may be available for eligible passenger cars used for private purposes.
Utes
Eligible privately used utes may qualify for Najmaa Vehicle Protection, subject to Najmaa’s eligibility requirements.
Cars
Eligible vans may also qualify, subject to Najmaa’s vehicle and usage requirements.
Why Consider Najmaa Vehicle Protection?
Najmaa Vehicle Protection offers Australian Muslims a different approach to conventional vehicle insurance. It is structured as a discretionary mutual based on Takaful principles, with members contributing to a mutual community and requesting support when eligible events occur.
- Shariah-Aligned
Najmaa states that its Vehicle Protection is structured in line with Shariah principles, providing an option for Muslims seeking a faith-aligned approach to protecting their vehicle.
- Clear & Structured
The Certificate of Protection explains the protection available, applicable conditions, exclusions, limits and member responsibilities.
- A Considered Approach
Requests for support are assessed individually by Najmaa and determined at the discretion of the relevant Najmaa entity. Support is not guaranteed.
- Support for Larger Events
Najmaa states that arrangements are in place with established Shariah-compliant Retakaful providers to assist the mutual in managing large or unexpected events.
Meezan Wealth's Role
Meezan Wealth’s role is to promote and introduce Najmaa Vehicle Protection to the Australian Muslim community.
Meezan Wealth does not issue the Vehicle Protection product, assess applications, determine eligibility or decide whether a request for support is approved.
Where Najmaa May Offer Vehicle Support
Najmaa may, at its discretion, consider providing support in a range of circumstances. All support remains subject to the applicable Product Disclosure Statement, Certificate of Protection, eligibility requirements, exclusions, conditions and limits.
Accidental Damage
Najmaa may consider support for damage to the nominated vehicle resulting from an accident.
Theft & Attempted Theft
Support may be considered if the nominated vehicle is stolen or damaged as a result of attempted theft.
Weather Damage
Najmaa may consider support for damage caused by events including fire, storms, hail, floods or lightning.
Damage to Other People's Property
Support may be considered where the nominated vehicle causes damage to another person’s property, up to the applicable protection limit.
Vandalism
Najmaa may consider support for deliberate or malicious damage to the nominated vehicle.
Emergency Support
Eligible support may include towing, storage or transport following an incident, subject to Najmaa’s applicable limits and conditions.
Emergency Accommodation
Temporary accommodation support may be considered following an eligible incident, subject to applicable limits.
Child Seats
Najmaa may consider replacement of eligible child seats damaged as a result of an accident or theft.
Windscreen Protection
Optional windscreen protection may provide support towards repair or replacement of the front windscreen, subject to the selected protection, applicable excess and limits.
What Najmaa Vehicle Protection Generally Does Not Support
Not every vehicle, event or loss is eligible for support. Najmaa’s eligibility requirements, exclusions, conditions and limits apply.
The following circumstances are generally not supported.
Electric Vehicles
Fully electric vehicles are currently not eligible for Najmaa Vehicle Protection. Hybrid vehicles are included, subject to current eligibility requirements.
Commercial Use
Vehicles used for commercial purposes are generally not eligible.
Personal Property
Personal belongings and valuables kept inside the vehicle are generally not supported.
Non-Standard Modifications
Vehicles modified from the manufacturer’s original specifications are generally not supported.
Important Information About Najmaa Vehicle Protection
Najmaa Vehicle Protection is a Takaful-based mutual assistance product. It is not insurance.
Protection is arranged by Najmaa Group Pty Ltd (ABN 47 616 855 504, AFSL 527623) and issued by Najmaa Mutual Limited (ABN 39 686 285 450).
Administration services are provided by Najmaa Management Services Australia Pty Ltd (ABN 40 678 802 232), a Corporate Authorised Representative of Najmaa Group Pty Ltd.
Protection is provided at the discretion of Najmaa Mutual Limited. A request for support may be approved in full, approved in part or declined depending on the circumstances.
Frequently Asked Questions
The following answers provide general information about Najmaa Vehicle Protection and Meezan Wealth’s role in introducing the product.
For complete and current information, always refer to Najmaa’s official website and product documents.
1. What is Najmaa Vehicle Protection?
Najmaa Vehicle Protection is a Takaful-based mutual assistance product structured in line with Shariah principles.
It operates as a discretionary mutual rather than traditional insurance. Members may request support following eligible incidents, but support is not guaranteed.
2. Is Najmaa Vehicle Protection insurance?
No.
Najmaa clearly states that Vehicle Protection is not insurance. It is a Takaful-based discretionary mutual assistance product.
3. What is Meezan Wealth's role?
Meezan Wealth promotes Najmaa Vehicle Protection and helps Australian Muslims discover and access information about the product.
When a customer selects the quote CTA on this page, the customer is directed to Najmaa.
Meezan Wealth does not issue, administer or make decisions regarding Najmaa Vehicle Protection.
4. Who actually provides the Vehicle Protection?
Protection is arranged by Najmaa Group Pty Ltd and issued by Najmaa Mutual Limited.
Administration services are provided by Najmaa Management Services Australia Pty Ltd.
5. Who assesses my application?
Najmaa is responsible for the application and eligibility process.
Meezan Wealth does not determine whether an applicant is accepted or eligible for protection.
6. Is support guaranteed after an incident?
No.
Najmaa operates as a discretionary mutual. If an incident occurs, a member may request support. Najmaa may approve the request in full, approve it in part or decline it depending on the circumstances and applicable product terms.
7. Who handles a request for support or claim?
Requests for support are submitted to and assessed by Najmaa.
Meezan Wealth does not assess incidents, determine support amounts, approve claims or make decisions regarding support.
8. Can someone else drive my vehicle?
Yes. Other people may drive the nominated vehicle.
However, additional excesses may apply where a driver is young, inexperienced or not listed on the Certificate of Protection. Najmaa’s applicable terms should be checked for details.
9. Am I protected when driving someone else's vehicle?
No.
Najmaa Vehicle Protection applies only to the nominated vehicle listed on the Certificate of Protection.
Ready to Explore Takaful-Based Vehicle Protection?
Meezan Wealth makes it easier for Australia’s Muslim community to discover Najmaa. The product itself, including eligibility, applications, membership and all requests for support, is managed by Najmaa.
Disclaimer
Important: This page is provided by Meezan Wealth for promotional and referral purposes in relation to Najmaa Vehicle Protection.
Najmaa Vehicle Protection is arranged by Najmaa Group Pty Ltd (ABN 47 616 855 504, AFSL 527623) and issued by Najmaa Mutual Limited (ABN 39 686 285 450). Administration services are provided by Najmaa Management Services Australia Pty Ltd (ABN 40 678 802 232), a Corporate Authorised Representative of Najmaa Group Pty Ltd.
Najmaa Vehicle Protection is a Takaful-based mutual assistance product and is not insurance. Protection and requests for support are subject to Najmaa’s discretion and applicable eligibility criteria, conditions, exclusions and limits.
Meezan Wealth does not issue, provide, administer or determine Najmaa Vehicle Protection and is not responsible for application decisions, eligibility, contributions, Certificates of Protection, support requests, claims assessments, renewals, cancellations, refunds, complaints or other product-related decisions. These matters are the responsibility of Najmaa and the relevant Najmaa entities.
Information on this page is general in nature. Before applying, please review Najmaa’s current Product Disclosure Statement, Financial Services Guide, Target Market Determination, Certificate of Protection and other relevant documents and consider whether the product is appropriate for your circumstances.