Q: To my understanding, Breakdown Cover is not allowed due to gharar. Does the same principle apply to gym membership, in that I am paying a monthly fee when the usage of the service is not known, I may use the gym every day or I may not use it at all but at the end I still pay my monthly fee, similar to breakdown cover?
الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب
A: The structure of a gym membership contract is different to that of breakdown cover. In gym membership the object of the contract is the membership period and the member is entitled to make usage of the facilities of the gym as and when he pleases. In breakdown cover, whilst the period of cover is known, usage of the service is dependent upon an uncertain event and the policy holder cannot simply avail of the benefits as and when he pleases. Therefore, the two are different.