Fatwa: # 38003
Category: Business Matters
Country: Saudi Arabia
Date: 8th February 2019

Title

Motor Vehicle Insurance

Question

Can i make full insurance for my car or shall go for third party insurance. Are both kind of insurance are allowed in islam?

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.

_________


[1] فتاؤي عثماني جلد ٣  ص٣١٤    

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

فتاویٰ رحیمیہ جلد ٩ صفحہ ٢٦٩

کارکا بیمہ (انشورنس) نہ کرائے کی صورت میں ایکسیڈنٹ ہونے پر ذاتی رقم سے نقصان ادا کرناپڑے گا اور وہ نقصان بعض وقت اتنا زیادہ ہوتا ہے کہ آدمی غریب ہوجاتا ہے ، یہ بیمہ (انشورنس) کے جواز کے لئے شرعی عذر نہیں ہے لہذا محض اس وجہ سے انشورنس کی اجازت نہ ہوگی

جديد فقهي مباحث جلد ١٢

امداد الفتاوى جلد ٣ ص ١٦١ مكتبه دار العلوم كراچي

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