Fatwa ID: 08271

Answered by Maulana Abdoullah limvoonheek

Question:

When renting a car abroad the excess is very high is it allowed to insure this excess separately elsewhere?

بِسْمِ اللهِ الرَّحْمنِ الرَّحِيْم

In the name of Allah, the Most Gracious, the Most Merciful

Answer:

Insurance is forbidden in Islam due to the element of impermissibility such as interest, uncertainty and gambling.

However due to necessity and difficulty, at times some scholars give concession to it. However it will be limited to the usage.

Thus if a person can get the car insured cheaper it will be better by paying less of the insurance rather than adhering to the high price and agreeing to pay for insurance, as it leads to unjust gain.

Therefore it will be allowed to insure the excess separately elsewhere when renting a car abroad and not to pay the high price. After that one should engage in tawbah and istighfar.

Hope this answers the question.

Only Allah (عز و جل) knows best.

Written by Maulana Abdoullah limvoonheek

Checked and approved by Mufti Mohammed Tosir Miah

Darul Ifta Birmingham

Reference:

Surah baqarah ayah 278

يٰۤـاَيُّهَا الَّذِيۡنَ اٰمَنُوا اتَّقُوا اللّٰهَ وَذَرُوۡا مَا بَقِىَ مِنَ الرِّبٰٓوا اِنۡ كُنۡتُمۡ مُّؤۡمِنِيۡنَ

Surah baqarah ayah 219

يَسۡــئَلُوۡنَكَ عَنِ الۡخَمۡرِ وَالۡمَيۡسِرِ‌ؕ قُلۡ فِيۡهِمَآ اِثۡمٌ کَبِيۡرٌ وَّمَنَافِعُ لِلنَّاسِ وَاِثۡمُهُمَآ اَکۡبَرُ مِنۡ نَّفۡعِهِمَا

عَنْ جَابِرٍ، قَالَ لَعَنَ رَسُولُ اللَّهِ صلى الله عليه وسلم آكِلَ الرِّبَا وَمُوكِلَهُ وَكَاتِبَهُ وَشَاهِدَيْهِ وَقَالَ هُمْ سَوَاءٌ

Sahih Muslim hadith 1598

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