Q: Would it be Islamically permissible for martial arts’ students to take out insurance cover for health and safety purposes – as this is the requirement of the law of the land? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: Conventional insurance contravenes the Sharī‘ah prohibition on ribā, gharar, and maysir. Therefore, one should only […]
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Is a warranty permissible for car repairs, including parts and labour?
Q: Is a warranty permissible for car repairs, including parts and labour? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: Such warranties are a form of conventional insurance and suffer from the prohibited element of gross uncertainty and are not permissible.
Read more...Is conventional insurance permitted when required by law?
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 […]
Read more...How can I make up for being dishonest with insurance companies?
Q: I have been dishonest when it comes to car insurance for e.g. by claiming on someone else’s, falsifying mileage and driving without insurance. How can I rectify these mistakes? I used my dad’s break down cover on my car which covers, the cover holder on multiple cars, with my dad’s permission, to get my […]
Read more...Please can you advise on the Shariah permissibility of guarantees and extended warranties.
Q: Please can you advise on the Shariah permissibility of guarantees and extended warranties. By guarantees I mean when the manufacturer gives a guarantee for a product without any monetary compensation and extended warranty where essentially a guarantee for the product is purchased. الجواب حامدًا و مصليًا و منه الصدق و الصواب A: Guarantee The […]
Read more...Is comprehensive car insurance permitted or should third party insurance only be taken?
Q: Is comprehensive car insurance permitted or should third party insurance only be taken? الجواب حامدًا و مصليًا و منه الصدق و الصواب A: In the case that only conventional insurance is available, if the requirements of the law are met by third party only insurance and this incurs less cost in payable premiums than […]
Read more...What is the ruling on life insurance?
Q: What is the ruling on life insurance? Does the ruling differ if one truly thinks ‘they need it’, as oppose to seeking financial security. And lastly, is it OK for them to take it if they have found an edict espousing a view holding it as permissible? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: […]
Read more...Can someone stuck in a ribā-based loan give voluntary charity, or do they need to pay off the ribā-based loan first?
Q: Can someone stuck in a riba-based loan give voluntary charity, or do they need to pay off the riba-based loan first, given that is a duty, and thereafter resume with giving voluntary charitable donations? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: One who has taken a haram loan or a conventional mortgage should […]
Read more...Can I take medical insurance as part of my salary package?
Q: Can I take medical insurance as part of my salary package? If an employer gives you a choice between taking some extra cash other than salary or get medical benefits, and one knows that medical benefits / insurance is more beneficial to him in terms of his expenses, and therefore he chooses to get […]
Read more...If a Muslim needs to claim on their car insurance policy, can they benefit from the entire amount of money?
Q: If a Muslim needs to claim on their car insurance policy, can they benefit from the entire amount of money, or only that amount which equals premiums paid to date? الجواب حامدًا و مصليًا و منه الصدق و الصواب A: The premiums paid under conventional insurance are paid through an irregular contract according to […]
Read more...Should one opt for third party or fully comprehensive insurance cover if third party is more expensive as is the case in many situations?
Q: Should one opt for third party or fully comprehensive insurance cover if third party is more expensive as is the case in many situations? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: You should opt for the cheapest quote irrespective of the level of cover as the purpose is to fulfill a […]
Read more...Can a pharmacist take out extra insurance due to extreme circumstances?
Q: Can a pharmacist take out extra insurance due to extreme circumstances? I know that insurance is only permissible in extreme cases. Would it be permissible for a Pharmacist to take out insurance which will protect her in case she was to get sued by a customer? The insurance is not necessary but if someone […]
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