Motor Vehicle Insurance
Question
Assalamu alaikum
Please put light on car insurance, as in today world it compulsory to have your car insured to drive on roads. What ulema advise in regarding car insurance, is both full insurance and third party insurance is allowed? I heard from one of the scholars that when it is mandatory one have to take insurance that too third party insurance, not full insurance. I need to take insurance for my car and dont want to go against shariah rules.
Jazakallah khair
Answer
In the Name of Allah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.
We commend you on your sensitivity of staying away from Haraam.
All types of car insurance are haraam whether it is third party insurance or comprehensive insurance as it involves interest and gambling. If, however, one is obliged by the law of the country to do so, then one will be excused to take out third party insurance. [1]
And Allah Ta’āla Knows Best
Muhammad I.V Patel
Student Darul Iftaa
Lusaka, Zambia
Checked and Approved by,
Mufti Ebrahim Desai.
References (Arabic / Urdu sources)
[1] فتاؤي عثماني جلد 3 ص314
انشورنس سود اور قمار پر مشتمل ہونے کی بنا پر بالکل حرام ہے- البتہ جو انشورنس حکومت کی طرف سے لازمی ہو، مثلاً موٹر وغیرہ کا بیمہ، اس کو مجبوراً کرا سکتے ہیں، مگر جب رقم ملے
تو صرف اتنی رقم خود استعمال کر سکتے ہیں جتنی خود داخل کی تھی، اس سے زائد نہیں
جديد فقهي مباحث جلد 12
امداد الفتاوى جلد 3 ص 161 مكتبه دار العلوم كراچي
- Answered by
- Muhammad I.V Patel
- Checked & approved by
- Mufti Ebrahim Desai
Where scholars differ, it’s safer to take the more cautious view.
Fatawa SA is an independent, read-only index of fatawa already published by Darul Iftaa Mahmudiyyah. It is not a fatwa service. For your own situation, please ask a Mufti. Report an issue
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Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/38272
Fatawa SA: https://fatawa.co.za/fatwa/askimam-38272
People also ask
Is insurance permissible?
“Life insurance policies are Haraam as it is based on interest, gambling and uncertainty (Gharar). Make Taubah and Istighfaar for your mother for engaging in Haraam dealings. There are severe warnings cited in the Mubarak…”
Ibn Masood · 392 fatawa from 7 Darul Iftas on this
What the Darul Iftas sayIs car insurance permissible when it is compulsory?
“If taking out car insurance in your country is mandatory from the side of the government, it will be permissible for you to take out car insurance as well as claim from the insurance company at the time of an accident.”
Mufti Online · 65 fatawa from 4 Darul Iftas on this
What the Darul Iftas saySame question, other Darul Iftas
The closest match from each Darul Ifta, found by wording. Check that the question matches yours.
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Mufti Online27 Jul 2016Motor vehicle insuranceIs full comprehensive insurance for motor vehicles allowed?
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