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


Motor Vehicle Insurance


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


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.


فتاؤي عثماني جلد ٣  ص٣١٤    [1]

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

DISCLAIMER - AskImam.org questions
AskImam.org answers issues pertaining to Shar'ah. Thereafter, these questions and answers are placed for public view on www.askimam.org for educational purposes. However, many of these answers are unique to a particular scenario and cannot be taken as a basis to establish a ruling in another situation or another environment. Askimam.org bears no responsibility with regards to these questions being used out of their intended context.
  • The Shar's ruling herein given is based specifically on the question posed and should be read in conjunction with the question.
  • AskImam.org bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.
  • This answer may not be used as evidence in any Court of Law without prior written consent of AskImam.org.
  • Any or all links provided in our emails, answers and articles are restricted to the specific material being cited. Such referencing should not be taken as an endorsement of other contents of that website.
The Messenger of Allah said, "When Allah wishes good for someone, He bestows upon him the understanding of Deen."
[Al-Bukhari and Muslim]