Sitraa · Built for the ummah. Open to everyone who wants ethical insurance.

The problem

Conventional insurance carries elements that sit uneasily with Islamic and ethical principles.

01

The position most are in

You need cover.

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.

02

The structural concerns

The way it's built.

Premiums earn interest on captive reserves interest (riba). Contracts contain elements of excessive uncertainty (gharar). Unclaimed money goes to shareholders, not back to the people who paid in.

03

What we're building

A structurally different path.

Takaful: mutual protection through a shared community pool. Built to avoid interest (riba) and excessive uncertainty (gharar). We're building this carefully because it deserves to be built right.

Live now · Free to use

Start tonight. Understand your existing cover.

Try the free policy check →

1

Upload or answer

Your policy PDF or 4 quick questions about your cover

2

Plain-English breakdown

What you're paying for, what's covered, explained simply

3

See where it conflicts

Islamic principles and ethical concerns — with explanations, not judgement

4

Ask anything

Chat with the Sitraa assistant about your policy or takaful generally

What is takaful

Your premium. Their profit — or yours?

Conventional insurance

Interest (riba) on reserves

Unclaimed premiums kept by insurer

Opaque — limited visibility

Contracts carry excessive uncertainty (gharar)

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Sitraa takaful

Shariah-screened — no interest

Benefit flows to participants, not shareholders

Transparent by design

Built to avoid excessive uncertainty

Takaful is the Islamic model of mutual protection — a shared community pool where you help others and they help you. Read the full explanation →

Our principles

Not values on a wall. A product built around them.

توحيد

Oneness · Tawheed

Purpose above profit

Does it serve the ummah, or serve us? Those two must align — or it doesn't ship.

تقوى

Consciousness · Taqwa

Built with accountability

Every clause, screen, and partner agreement — evaluated as if it will be scrutinised.

توكل

Trust · Tawakkul

We carry the work

We're the means. We carry the responsibility so your trust rests where it belongs.

Before we launch

Three things that must be in place first.

01

Named Shariah Board

Reviewed against AAOIFI standards. No product goes live without it.

Commitment

02

FCA Authorisation

In preparation now. Not a penny accepted before it's in place.

Commitment

03

Transparent fee structure

Management fee (wakala) shown on screen before anyone joins. Never buried.

In design

Honest answers

The questions we actually get asked.

If you're new to takaful or wondering where Sitraa really is — these are the plain-English answers.

What is takaful?+

Takaful is the Islamic model of mutual protection. Participants contribute to a shared community pool, and claims are paid from that pool. The structure is designed so benefit flows to participants rather than shareholders. It's built to avoid the elements of conventional insurance that sit uneasily with Islamic principles — interest (riba) and excessive uncertainty (gharar).

How is Sitraa different from conventional insurance?+

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, the structure is designed around participants rather than shareholders, and our management fee (wakala) is disclosed transparently before you join.

Is Sitraa FCA regulated?+

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 in the process of preparing for FCA authorisation carefully and will only operate as a regulated takaful intermediary once authorised.

When will Sitraa launch?+

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.

Who is Sitraa for?+

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.

How does Sitraa give back?+

Sitraa's structure is designed around participants, not shareholders. We intend to give back beyond profit as we grow — the exact mechanism will be confirmed and published transparently.

The founder

Built by someone who felt this problem directly.

Sharabeel

Founder · Sitraa

"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."

Roadmap

We won't launch until it's ready to launch.

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.

✓

Done

Community validation

150+ UK Muslim survey plus continuous conversations with practising Muslims, community leaders, and ethical-finance professionals. Demand is clear. Pain points are mapped.

✓

Done

Foundations laid · free tool live

Brand built. Voice locked. First useful product — a free AI policy-check tool — live at sitraa.co.uk/check.html for anyone to use today, while we build the full thing.

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In progress

Shariah board · FCA authorisation · capacity partners

Engaging Shariah advisers. FCA authorisation — in process. 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.

4

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.

5

When ready

Public launch · takaful cover

Sitraa opens with takaful cover. The product lines will be confirmed as we approach launch. We won't promise dates we can't honestly commit to.

An early look · directional only

What Sitraa will look like.

These are early illustrations of the member experience we're building. Not the live product yet — directional preview only.

HomeYour cover, your share, in one view

AssistantAsk in plain words — no forms

Your coverTransparent, all in one place

ClaimsDescribe what happened. That's it.

Illustrative only — figures and product flows are directional, subject to change as we build with regulators and partners.

Stand with us

Be among the first when we open.

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.

✓

You're with us.

JazakAllah khair. You'll hear from us when there's something real to share.

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