{"id":32900,"date":"2024-10-07T11:07:47","date_gmt":"2024-10-07T11:07:47","guid":{"rendered":"http:\/\/daruliftabirmingham.co.uk\/home\/?p=32900"},"modified":"2024-10-12T22:10:08","modified_gmt":"2024-10-12T22:10:08","slug":"insurance-company","status":"publish","type":"post","link":"http:\/\/daruliftabirmingham.co.uk\/home\/insurance-company\/","title":{"rendered":"Getting a Cheaper Insurance Quote Based on False Information"},"content":{"rendered":"

Fatwa ID: 07488<\/strong><\/span><\/p>\n

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Answered by: Maulana Sheik Abdel Ahaad Imrit<\/strong><\/span><\/p>\n

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Question:<\/strong><\/span><\/p>\n

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My dad has bought insurance with a company by telling them that he has more bonus years. <\/span><\/p>\n

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I think that he does in reality. <\/span><\/p>\n

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I can be put on his insurance, would I be sinful if I were to go on his insurance? <\/span><\/p>\n

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The insurance company may give me monetary benefit in terms of a cheaper quote given the falsely stated bonus years.<\/span><\/p>\n

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In the name of Allah, the Most Gracious, the Most Merciful<\/b><\/span><\/p>\n

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Answer:<\/b><\/span><\/p>\n

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It is important to understand that conventional insurance is not permissible in Islam due to three prohibited elements:<\/span><\/p>\n

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    \n
  1. Gambling (Qimaar)\u00a0\u00a0<\/span><\/li>\n
  2. Interest (Riba)\u00a0\u00a0<\/span><\/li>\n
  3. Uncertainty (Gharar)\u00a0\u00a0<\/span><\/li>\n<\/ol>\n

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    However, in cases of extreme necessity or when required by law, such as in some countries, insurance may be permitted under the principle:\u00a0<\/span><\/p>\n

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    “Necessities permit the prohibited.”<\/span><\/p>\n

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    Another legal maxim states:\u00a0\u00a0<\/span><\/p>\n

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    “What is permitted due to necessity is limited to the extent of the necessity.”<\/span><\/p>\n

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    In your father\u2019s case, engaging in insurance should have only been done when it was obligatory, and when no alternative options were available. Furthermore, the insurance should have been limited to the bare minimum required to overcome the necessity.<\/span><\/p>\n

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    If a person is not required to contribute financially to the insurance policy in order to benefit from it, jurists have prohibited it.\u00a0<\/span><\/p>\n

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    However, given that your father may have provided incorrect information, any benefits derived from the policy could exceed the permissible allowance, making it advisable to avoid benefiting from them.<\/span><\/p>\n

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    Only Allah knows best.<\/span><\/p>\n

    Written by Maulana Sheik Abdel Ahaad Imrit<\/span><\/p>\n

    Checked and approved by Mufti Mohammed Tosir Miah<\/span><\/p>\n

    Darul Ifta Birmingham<\/span><\/p>\n

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    \u00a0<\/span><\/p>\n

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    \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0642\u0631\u0622\u0646 \u0644\u0644\u062c\u0635\u0627\u0635 \u0637 \u0627\u0644\u0639\u0644\u0645\u064a\u0629\u00a0(1\/ 398)<\/span><\/p>\n

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    \u00a0<\/span><\/p>\n

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    \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0642\u0631\u0622\u0646 \u0644\u0644\u062c\u0635\u0627\u0635 \u0637 \u0627\u0644\u0639\u0644\u0645\u064a\u0629\u00a0(1\/ 398)<\/span><\/p>\n

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    \u0648\u064e\u0644\u064e\u0627 \u062e\u0650\u0644\u064e\u0627\u0641\u064e \u0628\u064e\u064a\u0652\u0646\u064e \u0623\u064e\u0647\u0652\u0644\u0650 \u0627\u0644\u0652\u0639\u0650\u0644\u0652\u0645\u0650 \u0641\u0650\u064a \u062a\u064e\u062d\u0652\u0631\u0650\u064a\u0645\u0650 \u0627\u0644\u0652\u0642\u0650\u0645\u064e\u0627\u0631\u0650<\/span><\/p>\n

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    \u0635\u062d\u064a\u062d \u0645\u0633\u0644\u0645\u00a0(3\/ 1218)<\/span><\/p>\n

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    \u00a0<\/span><\/p>\n

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    \u00ab\u0627\u0644\u0623\u0634\u0628\u0627\u0647 \u0648\u0627\u0644\u0646\u0638\u0627\u0626\u0631 – \u0627\u0628\u0646 \u0646\u062c\u064a\u0645\u00bb (\u063573):<\/span><\/p>\n

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    \u00ab\u0648\u064e\u0647\u064e\u0630\u0650\u0647\u0650 \u0627\u0644\u0652\u0642\u064e\u0627\u0639\u0650\u062f\u064e\u0629\u064f \u0645\u064e\u0639\u064e \u0627\u0644\u0651\u064e\u062a\u0650\u064a \u0642\u064e\u0628\u0652\u0644\u064e\u0647\u064e\u0627 \u0645\u064f\u062a\u0651\u064e\u062d\u0650\u062f\u064e\u0629\u064c \u0623\u064e\u0648\u0652 \u0645\u064f\u062a\u064e\u062f\u064e\u0627\u062e\u0650\u0644\u064e\u0629\u064c\u060c \u0648\u064e\u062a\u064e\u062a\u064e\u0639\u064e\u0644\u0651\u064e\u0642 \u0628\u0650\u0647\u064e\u0627 \u0642\u064e\u0648\u064e\u0627\u0639\u0650\u062f\u064f:\u200c\u200c \u0627\u0644\u0652\u0623\u064f\u0648\u0644\u064e\u0649: \u0627\u0644\u0636\u0651\u064e\u0631\u064f\u0648\u0631\u064e\u0627\u062a\u064f \u062a\u064f\u0628\u0650\u064a\u062d\u064f \u0627\u0644\u0652\u0645\u064e\u062d\u0652\u0638\u064f\u0648\u0631\u064e\u0627\u062a\u0650\u00bb<\/span><\/p>\n

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    \u00ab\u0627\u0644\u0623\u0634\u0628\u0627\u0647 \u0648\u0627\u0644\u0646\u0638\u0627\u0626\u0631 – \u0627\u0628\u0646 \u0646\u062c\u064a\u0645\u00bb (\u063573):<\/span><\/p>\n

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    \u00ab\u200c\u200c\u0627\u0644\u062b\u0651\u064e\u0627\u0646\u0650\u064a\u064e\u0629\u064f: \u0645\u064e\u0627 \u0623\u064f\u0628\u0650\u064a\u062d\u064e \u0644\u0650\u0644\u0636\u0651\u064e\u0631\u064f\u0648\u0631\u064e\u0629\u0650 \u064a\u064f\u0642\u064e\u062f\u0651\u064e\u0631\u064f \u0628\u0650\u0642\u064e\u062f\u0652\u0631\u0650\u0647\u064e\u0627\u00bb<\/span><\/p>\n

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    \u00ab\u0627\u0644\u0641\u062a\u0627\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u0643\u064a\u0631\u064a\u0629 = \u0627\u0644\u0641\u062a\u0627\u0648\u0649 \u0627\u0644\u0647\u0646\u062f\u064a\u0629\u00bb (5\/ 324):<\/span><\/p>\n

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    \u0644\u064e\u0647\u064f\u060c \u0648\u064e\u0627\u0644\u0652\u0645\u064f\u0631\u064e\u0627\u062f\u064f \u0645\u0650\u0646\u0652 \u0627\u0644\u0652\u062c\u064e\u0648\u064e\u0627\u0632\u0650 \u0627\u0644\u0652\u062d\u0650\u0644\u0651\u064f \u0644\u064e\u0627 \u0627\u0644\u0650\u0627\u0633\u0652\u062a\u0650\u062d\u0652\u0642\u064e\u0627\u0642\u064f\u060c \u0643\u064e\u0630\u064e\u0627 \u0641\u0650\u064a \u0627\u0644\u0652\u062e\u064f\u0644\u064e\u0627\u0635\u064e\u0629\u0650. .\u00bb<\/span><\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n

    \u00ab\u0627\u0644\u0641\u062a\u0627\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u0643\u064a\u0631\u064a\u0629 = \u0627\u0644\u0641\u062a\u0627\u0648\u0649 \u0627\u0644\u0647\u0646\u062f\u064a\u0629\u00bb (5\/ 324):<\/span><\/p>\n

     <\/p>\n

     <\/p>\n

    \u00ab\u200c\u0648\u064e\u0645\u064e\u0627 \u200c\u064a\u064e\u0641\u0652\u0639\u064e\u0644\u064f\u0647\u064f \u200c\u0627\u0644\u0652\u0623\u064f\u0645\u064e\u0631\u064e\u0627\u0621\u064f \u200c\u0641\u064e\u0647\u064f\u0648\u064e \u200c\u062c\u064e\u0627\u0626\u0650\u0632\u064c \u200c\u0623\u064e\u064a\u0652\u0636\u064b\u0627 \u200c\u0628\u0650\u0623\u064e\u0646\u0652 \u200c\u064a\u064e\u0642\u064f\u0648\u0644\u064f\u0648\u0627 \u200c\u0644\u0650\u0627\u062b\u0652\u0646\u064e\u064a\u0652\u0646\u0650: \u0623\u064e\u064a\u0651\u064f\u0643\u064f\u0645\u064e\u0627 \u0633\u064e\u0628\u064e\u0642\u064e \u0641\u064e\u0644\u064e\u0647\u064f \u0643\u064e\u0630\u064e\u0627.\u00bb<\/span><\/p>\n

     <\/p>\n

     <\/p>\n

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     <\/p>\n

     <\/p>\n

    \u00ab\u200c\u0648\u0627\u0644\u062d\u0638\u0631 \u200c\u0648\u0627\u0644\u0625\u0628\u0627\u062d\u0629 \u200c\u0625\u0630\u0627 \u200c\u062a\u0639\u0627\u0631\u0636\u0627 \u0641\u0627\u0644\u062d\u0643\u0645 \u0644\u0644\u062d\u0638\u0631.\u00bb<\/span><\/p>\n

     <\/p>\n

     <\/p>\n

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     <\/p>\n

     <\/p>\n

    \u00ab\u0644\u0650\u0623\u064e\u0646\u0651\u064e\u0647\u064f \u0627\u062c\u0652\u062a\u064e\u0645\u064e\u0639\u064e \u0641\u0650\u064a\u0647\u0650 \u200c\u0627\u0644\u0652\u062d\u064e\u0638\u0652\u0631\u064f \u200c\u0648\u064e\u0627\u0644\u0652\u0625\u0650\u0628\u064e\u0627\u062d\u064e\u0629\u064f \u0641\u064e\u064a\u064f\u0631\u064e\u062c\u0651\u064e\u062d\u064f \u0627\u0644\u0652\u062d\u064e\u0627\u0638\u0650\u0631\u064f \u0627\u062d\u0652\u062a\u0650\u064a\u064e\u0627\u0637\u064b\u0627\u060c\u00bb<\/span><\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    Fatwa ID: 07488     Answered by: Maulana Sheik Abdel Ahaad Imrit   Question:   My dad has bought insurance with a company by telling…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"_links":{"self":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/32900"}],"collection":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=32900"}],"version-history":[{"count":5,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/32900\/revisions"}],"predecessor-version":[{"id":33133,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/32900\/revisions\/33133"}],"wp:attachment":[{"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=32900"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=32900"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=32900"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}