1)I am staying in Saudi Arabia. Last year I purchased a car and took only a third party insurance for my vehicle because I know that full ...2) when my wife has completed her bathing too much hair being falling. have we keep this hear and should buried in sand? Or can we allow ...?

In the name of Allāh, Most Gracious, Most Merciful

Assalāmu ῾alaykum wa Rahmatullāhi Wabarakātuh

1. In principle, all forms of insurance, be it life insurance, short term insurance or third party insurance of motor vehicles, properties, businesses, houses or other assets are not permissible in Islām due to the fact that there exists two unlawful aspects which are directly complicated in all insurance schemes. The first being interest and the second being gambling. When a person pays his monthly premiums, if in the case of any loss a far greater amount is received to cover one’s losses. This is where the aspect of interest falls in. As far as gambling is concerned, one will never know when a loss is going to be afflicted, therefore it is a game of chance. Similarly here also in the case of a loss, one will receive benefits that are far greater in excess than the premiums paid in.

It is for these reasons Shari’ah does not permit insurance. However, if one is obliged by the law of the country as is the case in Saudi Arabia, then he/she will be excused. Therefore, if one subscribes to third party insurance and this fulfills the legal requirements, it will not be permissible to subscribe to full cover insurance etc.

2. It is preferable and out of honour that the hair which falls off be buried since it is part of the body.

And Allāh Ta῾āla Knows Best
Wassalāmu ῾alaykum

Ml. Ebrahim Desai,
Student Dārul Iftā

Checked and Approved by:
Mufti Ebrahim Desai
Dārul Iftā