Sitraa is a digitally-focused takaful platform being built for the UK — designed to avoid riba and gharar, with surplus returned to participants. Home cover first. Open to anyone who wants ethical protection, not just Muslims.
Free to use tonight · No signup required · Built carefully, in the open
For decades, the only path has been to hold cover under necessity — knowing the structure conflicts with what we believe. That's where Sitraa starts.
Home insurance protects what you've worked for. Conventional cover is widely held under necessity — and many people quietly carry discomfort about how it's structured.
Premiums earn interest on captive reserves (riba). Contracts contain elements of excessive uncertainty (gharar). Unclaimed money goes to shareholders, not back to the people who paid in.
Takaful: mutual protection through a shared community pool. Built to avoid riba and gharar. Surplus returned to participants. We're building this carefully because it deserves to be built right.
We built a free tool you can use right now. Upload your existing insurance policy or answer four quick questions — we'll explain it in plain English and show you where it sits against Islamic principles and broader ethical concerns.
Try the free policy check →Opens at try.sitraa.co.uk · Nothing stored · No account needed
Takaful is the Islamic model for protection — built on shared contribution, not corporate profit-extraction. Here's the structural difference.
Every decision, every product choice, every partnership passes through three principles. If it fails one, it doesn't ship.
For non-Muslims: purpose and ethics above commercial gain.
Sitraa exists to serve a community that's been underserved. Every decision starts with: does this serve the ummah, or does it serve us? Those two answers must align — or it doesn't happen.
For non-Muslims: every decision made as if it will be scrutinised.
Taqwa isn't a feature. It's our QA process. Every clause, every screen, every partner agreement — evaluated as if Allah is watching. Because He is.
For non-Muslims: we carry the work so you can trust the result.
We're the means. Your tawakkul is in Allah. We carry the responsibility of managing your protection seriously — so your trust in Him carries nothing it shouldn't have to.
Here's what we're committed to — and where we honestly are on each.
No contribution will be accepted from anyone before a named Shariah Supervisory Board is announced. The structure will be reviewed against AAOIFI standards before any product goes live.
CommitmentWe will not accept a single contribution without FCA authorisation in place. That's a commitment, not a status. We are researching the regulatory route and will engage formally as we approach launch.
CommitmentOur management fee structure (wakala) will be disclosed on screen before anyone joins — not buried in a document. The exact figure will be confirmed alongside our capacity partner arrangements.
In designPool funds will be invested only in Shariah-screened assets. No prohibited sectors. The exact investment policy will be published and reviewed by our Shariah board before launch.
CommitmentIf you're new to takaful or wondering where Sitraa really is — these are the plain-English answers.
Takaful is the Islamic model of mutual protection. Participants contribute to a shared community pool, and claims are paid from that pool. Whatever isn't used at year-end is returned to participants rather than kept by shareholders. It's built to avoid the elements of conventional insurance that sit uneasily with Islamic principles — interest (riba), excessive uncertainty (gharar), and surplus extraction.
Conventional insurance pools your premium into a fund typically invested in interest-bearing instruments, and any unused money belongs to the insurer. Sitraa is structured as takaful: your contribution enters a Shariah-screened community pool, surplus returns to participants, and our operating fee (wakala) is disclosed transparently before you join.
Sitraa is in development and is not yet FCA-authorised. We will not accept a single contribution before FCA authorisation is in place. We're researching the regulatory route carefully and will only operate as a regulated takaful intermediary once authorised.
Sitraa will launch when Shariah certification, FCA authorisation, and capacity partner arrangements are all in place. We are not committing to specific dates because we'd rather build it the right way than the fast way. Waitlist members will be the first to know.
Sitraa is built for the ummah — UK Muslims who want insurance that doesn't conflict with their faith. It's also open to anyone who wants ethical insurance: ESG-conscious customers, people tired of how conventional insurers profit from unclaimed premiums, anyone who cares about where their money goes.
Sitraa's structure returns surplus contributions to participants rather than extracting them to shareholders. We're also committed to giving back beyond profit — the exact mechanics of our charitable giving model will be confirmed as our model matures, and we'll publish them transparently.
"Like many UK Muslims, I needed insurance. Every option I looked at had structures I couldn't reconcile with my faith. I wasn't asking for perfection — I was asking for something I didn't have to compromise for. I have six years in management consulting, hands-on FCA authorisation experience, and a deep personal stake in getting this right. It's why I'm building it carefully."
Specific dates depend on Shariah certification, regulatory authorisation, and partner agreements — all of which need to land properly. Here's the honest order, not specific deadlines.
150+ UK Muslim survey plus continuous conversations with practising Muslims, community leaders, and ethical-finance professionals. Demand is clear. Pain points are mapped.
Brand built. Voice locked. First useful product — a free AI policy-check tool — live at try.sitraa.co.uk for anyone to use today, while we build the full thing.
Engaging Shariah advisers. Researching FCA authorisation pathway. Talking to potential capacity partners. Each of these is its own piece of work — we'll only move forward when each one is in good shape.
Once authorisation and partnerships are in place, early-access goes to the people who joined our waitlist first. Priority pricing, direct line to the founder, and a real say in how things land.
Sitraa opens publicly with home takaful. Other lines follow as the model proves out. We won't promise dates we can't honestly commit to.
These are early illustrations of the member experience we're building. Not the live product yet — directional preview only.
Illustrative only — figures and product flows are directional, subject to change as we build with regulators and partners.
Join the waitlist. We'll write to you when there's something real to share — not weekly marketing, not urgency. The people on this list hear from us first.
JazakAllah khair. You'll hear from us when there's something real to share.
No spam. No urgency tactics. Unsubscribe any time.
Built on Islamic principles · open to everyone who wants ethical insurance.