Coming Soon
S

Insurance that's truly yours.

Nearly 4 million Muslims in the UK have no trustworthy halal insurance option built for them. We're changing that. Sitraa is the UK's first digital takaful platform — coming soon.

No spam. Just your spot in the queue. Unsubscribe anytime.

جَزَاكَ اللَّهُ خَيْرًا
You're on the list.
We'll let you know the moment Sitraa is ready. You're part of something important.
4M+ Muslims in the UK with no trustworthy halal insurance option
8.3/10 Average likelihood to switch — from our survey of 132 UK Muslims
Why we built this

It started with a problem we couldn't solve.

Personal
I needed insurance I could trust.
Like every Muslim driver in the UK, I was legally required to have car insurance. But every option available involved riba and structures that conflict with Islamic principles. I wasn't looking for perfection. I was looking for something I didn't have to compromise my faith for. It didn't exist. So I decided to build it.
Community
3.9 million people facing the same choice.
It wasn't just me. Every Muslim who drives, owns a home, or wants to protect their family in the UK faces the same impossible choice — use conventional insurance and compromise your values, or go unprotected. There is no digital-first, genuinely Shariah-compliant option built for UK Muslims. Sitraa exists to change that.
What is Takaful?

Insurance that gives back.
Not just takes.

Takaful is Islamic insurance — based on mutual contribution and community protection. Unlike conventional insurance, any unused contributions are returned to you at the end of the year. Your money. Your community. Your cover.

🕌
100% Shariah Compliant
No riba. No gharar. No compromise. Certified by a named Shariah Supervisory Board — not a footnote in a terms document.
💰
Surplus Returned to You
If the risk pool has unused funds at year end, they come back to you. Conventional insurance keeps that money. We don't.
🤝
Community Risk Pool
We protect each other — not a corporation taking your premiums. Every contribution goes into a shared pool managed transparently on your behalf.
Our foundation

Three principles.
One purpose.

3 Ts = Takaful · Tawheed + Taqwa + Tawakkul
توحيد
Tawheed
Oneness
Everything we build is for the sake of Allah alone. Our purpose isn't profit — it's to serve a community that has been underserved for too long.
تقوى
Taqwa
God-consciousness
Every product decision, every partnership, every policy is made with Allah in mind. Taqwa is not a feature. It is our operating principle.
توكل
Tawakkul
Trust in Allah
We handle your protection so you can trust in Him. Sitraa is the means — your tawakkul is the foundation. We take that responsibility seriously.
Tawheed + Taqwa + Tawakkul = Takaful  ·  Three T's. One mission. For the ummah.
ستر
"Sitraa — from the Arabic for divine covering and protection. The veil Allah places over His creation."
The meaning behind our name
How Sitraa Works

Simple. Transparent.
Genuinely halal.

01
You contribute
Pay your monthly takaful contribution. A portion covers our management fee (wakala). The rest goes directly into the community risk pool.
02
The pool protects
Claims are paid from the shared pool. Your contributions are invested only in Shariah-compliant assets — never in haram sectors.
03
Surplus returns to you
At year end, any unused funds in the pool are returned to participants. Your money works for you — not against you.
Be first

The wait is almost over.

Join the growing list of UK Muslims who are done compromising. Be first in line when we launch.

No spam. No riba. Just Sitraa.

جَزَاكَ اللَّهُ خَيْرًا
You're on the list.
JazakAllah Khair. We'll be in touch the moment we launch.