Q: Is conventional insurance permitted when required by law?
الجواب حامدًا و مصليًا و منه الصدق و الصواب
A: If the law of a country requires its citizens to take out insurance, such as in the case of car-insurance within the law of England and Wales, one should first seek to take out a policy that is compliant with Sharīʿah principles. If no such policy is available then one may resort to conventional insurance as a matter of dispensation to the extent that the requirements of the law are met.