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 […]

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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 […]

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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 […]

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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 […]

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What is the ruling on the permissibility of conventional travel insurance products?

Q: What is the ruling on the permissibility of conventional travel insurance products?   My particular concern focuses on the potential for significant medical expenses incurred outside your country of residence, where such facilities are unlikely to be free for non-residents. Are there any halal/takaful travel insurance products available? الجواب حامدًا و مصليًا و منه […]

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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 […]

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Is it permissible to take out warranties on car repairs?

  Q: Is it permissible to take out warranties on car repairs and parts, and to what extent? There is a scheme available, for £100 a year, where if any problems with the car, the policy covers both labour and parts.   الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب   A: Such warranties are a form […]

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Is it allowed to take out mandatory travel insurance in order to be able to volunteer in a charity abroad?

Q: I have signed up to volunteer for a charity working abroad but have found out that I will be required to take out Travel Insurance. Is it permissible for me to get travel insurance cover or should I opt for volunteering somewhere else where this will not be a requirement?     الجواب حامدا […]

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Would insurance be permissible for martial arts’ students to take out health and safety purposes – as this is the requirement of the law of the land?

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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What is the ruling on life insurance?

Q: What is the ruling on life insurance? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: According to the overwhelming majority of Muslim scholars conventional insurance including conventional life insurance, is not permitted. Whilst a minority of scholars have tried to reason for the permissibility of conventional insurance such reasoning has generally been rejected hence […]

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