Darul Iftaa Mahmudiyyah

Is it permissible to take out Third party car insurance?

· 22 Jumada II 1444 AH1 min readFatwa 46560English

Question

Maulana I have a question to ask please if you can guide me in that.

Is it permissible to take out Third party car insurance? They only cover the damamge of the opposite parties vehicle.

May ALLAH reward you for that

JazakALLAHU'KHAIRAN

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, all types of car insurance are Haram whether it is third party (liability) insurance or full comprehensive coverage insurance as it involves interest, gambling and uncertainty.[i] However, if one is required to have car insurance by the law of the country he lives in, then one will be excused in taking out third party insurance.[ii]

And Allah Ta’āla Knows Best

Hammad Ibn Ismail Jogiat

Student Darul Iftaa

Cambridge, Ontario, Canada

Checked and Approved by,
Mufti Ebrahim Desai.

(2020-11-19)

References (Arabic / Urdu sources)

[i] المبسوط للسرخسي (68/13)

بِنَهْيِ النَّبِيِّ - صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ - عَنْ بَيْعِ الْغَرَرِ - وَالْغَرَرُ مَا يَكُونُ مَسْتُورَ الْعَاقِبَةِ،

[ii] فتاؤى عثماني – مفتى محمّد تقي عثماني - مكتبة معارف القرآن (ج: 3 ص:314)

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
Hammad Ibn Ismail Jogiat
Checked & approved by
Mufti Ebrahim Desai
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Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/46560
Fatawa SA: https://fatawa.co.za/fatwa/askimam-46560

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