hello ppl..
Assalam-o-alikum..
im not sure that this topic has been under disucssion here or not.
but well lets discuss it once again..
is it or is it not..
your argumentis welcome , but islamic argument is prefered..
pls support with valid references.
thanks
Last year, when I went to Pakistan, I met a guy (who thought he knew a lot about EVERYthing). One of the fatwas he issued right on the spot was that it is ok to get a car based on lease basis, but it is prohibited to get insurance for the car, because insurance is haraam.
So I told him that as per the law, it is not permitted to drive a car in US without insurance, but the guy insisted that car insurance is haraam. I did not had time to get more information out from this gentleman.
Does any of you have any additional information on this particular topic?
Gracias mucho
Wa'alaykum assalaam,
I hope this proves useful insha'llaah. There are also other related topics, if you go to www.islam-qa.com and do a search on 'insurance'
Question:
What are the rulings on commercial insurance which is widespread nowadays?
Answer:
Praise be to Allaah.
1) All kinds of commercial insurance are clearly and undoubtedly ribaa (interest/usury). Insurance is the sale of money for money, of a greater or lesser amount, with a delay in one of the payments. It involves riba al-fadl (interest-based transaction) and riba al-nas’ (interest to be charged if payment is delayed beyond the due date), because the insurance companies take people’s money and promise to pay them more or less money when a specific accident against which insurance has been taken out happens. This is riba, and riba is forbidden in the Qur’aan, in many aayaat.
2) All kinds of commercial insurance are based on nothing but gambling which is haraam according to the Qur’aan:
“O you who believe! Intoxicants (all kinds of alcoholic drinks), and gambling, and Al-Ansaab (stone altars for sacrifice to idols etc.) and Al-Azlaam (arrows for seeking luck or decision) are an abomination of Shaytaan’s (Satan’s) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful” (al-Maa’idah 5:90 – interpretation of the meaning).
All kinds of insurance are kinds of playing with chances. They tell you, Pay this much money, then if this happens to you we will give you this much. This is pure gambling. Insisting on differentiating between insurance and gambling is pure stubbornness that is unacceptable to any sound mind. The insurance companies themselves admit that insurance is gambling.
3) All kinds of insurance are forms of uncertainty, and transactions which involve uncertainty are forbidden according to many saheeh ahaadeeth, such as the hadeeth narrated by Abu Hurayrah (may Allaah be pleased with him):
“The Messenger of Allaah (peace and blessings of Allaah be upon him) forbade transactions determined by throwing a stone and transactions which involved some uncertainty.” (Narrated by Muslim).
“Transactions determined by throwing a stone” – this was a type of transaction that was prevalent in the markets of pre-Islamic Arabia, whereby a stone was thrown by either the buyer or the seller, and whatever it touched, its transaction became binding. “Transactions which involved some uncertainty” – is a transaction in which there is no guarantee that the seller can deliver the goods for which he receives payment. Footnotes from the translation of Saheeh Muslim. (Translator)].
All forms of commercial insurance are based on uncertainty of the most extreme kind. Insurance companies and those who sell insurance refuse to insure cases except where there is clear uncertainty in whether or not the condition being insured against will happen or not. In other words, the condition being insured against must have a possibility of happening or not happening (as opposed to, for example, someone who has a pre-existing condition, such as a person who is on death row applying for life insurance--translator.) Moreover, this transaction involves something uncertain, which is when an accident will happen and the extent of the damage caused. Hence insurance combines three kinds of extreme uncertainty.
4) All kinds of commercial insurance consume people’s wealth unjustly, which is haraam according to the Qur’aan:
“O you who believe! Eat not up your property among yourselves unjustly” (al-Nisaa’ 4:29 – interpretation of the meaning).
All forms of commercial insurance are fraudulent transactions aimed at consuming people’s wealth unjustly. The precise statistics calculated by one of the German experts state that what people get back of what has been taken from them is no more than 2.9%.
Insurance is an immense loss for the nation, and there is no evidence or excuse to be found in the actions of the kuffaar who have lost the ties of kinship and friendship and are therefore forced to resort to insurance, which they hate as much as they hate death.
These are only some of the violations of sharee’ah which insurance is essentially based upon. There are numerous other violations which we do not have room to mention here, and there is no need to do so, because just one of the violations which we have mentioned above is sufficient to make insurance one of the things which is most prohibited in the sharee’ah of Allaah.
It is a shame that some people are deceived by the ways in which the insurance companies make insurance attractive and confuse them by calling it “co-operative” or “mutual support” or “Islamic”, or other names which do not change the unjust nature of insurance in the slightest.
The insurance companies’ claim that the ‘ulamaa’ have issued fatwaas stating that so-called “co-operative insurance” is halaal, is a lie. The reason for this confusion is that some insurance companies approached the ‘ulamaa’ with a deceitful set-up which has nothing to do with any kind of insurance, but they said that it was a kind of insurance which they called “co-operative insurance” (to make it sound attractive and to confuse the people). They said that it was purely in the nature of a donation, and that it was a kind of the co-operation enjoined by Allaah in the aayah (interpretation of the meaning): “Help you one another in Al-Birr and At-Taqwa (virtue, righteousness and piety)…” (al-Maa’idah 5:2), and that the aim was to co-operate in alleviating the overwhelming disasters that may befall people. But in fact what they called co-operative insurance was just like any other kind of insurance; the only difference was in the way in which it was set up, not in its essential nature. It was far from being any kind of simple donation or co-operation in righteousness and piety; in fact it is a kind of co-operation in sin and transgression. It was not aimed at helping to relieve the distress of calamities, but at depriving people of their wealth by unjust means, which is absolutely haraam, as are other kinds of insurance. Hence what they proposed to the ‘ulamaa’ is not even insurance at all.
With regard to the claim made by some, that part of the premium (money paid to the insurer) is returned, this does not change anything and does not free insurance from the taint of ribaa, gambling, transactions based on uncertainty, unjust consumption of people’s wealth and going against the principle of trusting in Allaah (tawakkul), and other kinds of haraam actions. Insurance is deceit and confusion. Anyone who wishes to learn more should refer to the essay al-Ta’meen wa Ahkaamuhu (Insurance and its rulings). I call on every Muslim who has pride in his religion and whose hopes are focused on Allaah and the Last Day to fear Allaah and to avoid all kinds of insurance, no matter how attractive their proponents make them, for they are undoubtedly forbidden. In this manner he will protect his religion and his wealth, and he will be blessed with security from the Owner of security, may He be exalted.
May Allaah help me and you to have insight into matters of religion and to do that which is pleasing to the Lord of the Worlds.
See: Khalaasah fi Hukm al-Ta’meen by Shaykh Dr. Sulaymaan ibn Ibraaheem al-Thaniyaan Member of faculty, Sharee’ah College, al-Qaseem (www.islam-qa.com)
Hasnain,
This is all well and good... I am not sure how the rules vary in UK... but if a muslim decides to accept this fatwa, then he or she can not drive a car in the USA, as he or she will be violating the law of the land.
The law says that you have to have atleast the liability insurance for your car, so that if you hit someone else on the road, then the other person can recover his loss.
Pls provide your own advice.
Thanks.
Faisal
forget just auto insurance, people should also drop health insurance and stop taking unemployment benefits because that is unemployment insurance. I suppose the same can then be applied to pension funds and social security.
I see rulings left right and center, but no solutions. its easy to say that dont get insurance, how about if an uninsured driver hits someone (why btw has no health coverage) and can not afford the type of medical attention that is needed. I would like to say shaikh hanyaan banyaan and co come up with solutions for a change, and real applicable solutions for the current century.
look, normally I stay away from religious interpretations but this fatwa is nonsense. the attempt to equate insurance to interest is quite labored and incorrect. insurance is NOT sale of money for money but sale of Risk for money. Not that I have anything against interest - it is interest that is protecting the hard working from freeloaders.
here is my fatwa to clear all your conscience. Insurance is NOT haram. ok, there you have it.
PS: I even said it before shaving so I have a beard.
The act of gambling involves taking a risk in the hope of gaining an advantage or a benefit.
Insurance does not necessarily involve risk-taking or the hope of gaining advantage or benefit. It is a protective measure, nothing more.
Insisting on making insurance and gambling equal actions is pure stubbornness that is unacceptable to any sound mind.
So, can we expect a practical ruling on this issue? :)
Something tells me that the 'Shaikh' doesn't have to deal with insurance by law.
I'd be very interested to see how his fatwa would have turned out if he had an automobile and his government required him to have insurance.
I have heard of Islamic Insurances Scheme. I think Best is to go with them.
pakistan goverment dont insure its passenger aircraft and shipping lines?
i am sure international laws require uniformity.
I'd like to ask a simple question to the scholar who pasted a long theory against insurance.
For Muslims living in countries where car/automobile insurance is mandatory, how're they supposed to come to workplace? Hire the service of a pony or a donkey?
[QUOTE]
*Originally posted by Gangu_Teli: *
I'd like to ask a simple question to the scholar who pasted a long theory against insurance.
For Muslims living in countries where car/automobile insurance is mandatory, how're they supposed to come to workplace? Hire the service of a pony or a donkey?
[/QUOTE]
when deemed inevitable, consider it allowed....
(brought to u by Mufti Ajaz Rashid Mughal)....
this is pretty much confusing.. cuz…
every thing in this ( Pakistan ) ISlamic jamhuria republic democratic of Pakistan is heavily based on Insurance…
STATE life of insurance , insures every govt Building, govt employees. Air crafts here in Pakistan…
Even the so called ISLAMIC countries have deep insurance roots in them..
SO???
what to do..
I have to sign up insurance agreement on saturday, help me guys..
should i decline it or sign it…
P.S : I dont have any interest in the interest money they provide. Got no intention to benifit from the interest they give.
if its absolutely required for ur job/living sign it....
if u r signing it just to be on the safe side, skip it....