{"id":28882,"date":"2024-03-21T23:01:02","date_gmt":"2024-03-21T23:01:02","guid":{"rendered":"http:\/\/daruliftabirmingham.co.uk\/home\/?p=28882"},"modified":"2024-03-21T23:01:02","modified_gmt":"2024-03-21T23:01:02","slug":"are-we-allowed-to-lease-a-car-from-a-dealer-because-from-what-i-know-they-make-you-buy-full-coverage-insurance-whenever-you-lease","status":"publish","type":"post","link":"https:\/\/daruliftabirmingham.co.uk\/home\/are-we-allowed-to-lease-a-car-from-a-dealer-because-from-what-i-know-they-make-you-buy-full-coverage-insurance-whenever-you-lease\/","title":{"rendered":"Are We Allowed To Lease a Car From a Dealer Because From What I Know They Make You Buy Full Coverage Insurance Whenever You Lease"},"content":{"rendered":"

Fatwa ID: 07003<\/strong><\/span><\/p>\n

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Answered by: Muftiyah Habiba Akhtar<\/strong><\/span><\/p>\n

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

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Are we allowed to lease a car from a dealer because from what I know they make you buy full coverage insurance whenever you lease and as well as they have a late penalty clause.<\/span><\/p>\n

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

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Answer:<\/u><\/strong><\/span><\/p>\n

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The concept of Car insurance holds a large element of Interest. This is in reference to both annual insurance and monthly insurance.<\/span><\/p>\n

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The topic of insurance consists of paying a sum of money in the beginning of a year with the security of receiving back money when involved in an accident.<\/span><\/p>\n

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As defined by Insurance Information Institute (From a quick Search):<\/span><\/p>\n

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“Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy”. (1)<\/span><\/p>\n

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Hence, the contract is outlined as such:<\/span><\/p>\n

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The driver pays a premium for unknown future instances that may or may not occur.<\/span><\/p>\n

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Taking out insurances are haram (impermissible).<\/span><\/p>\n

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The reason for this is the involvement of Riba and gambling.<\/span><\/p>\n

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The topic of insurance consists of paying a sum of money at the beginning of a year or contract with the security of receiving back money when involved in an accident, when diagnosed with an illness or when robbed\/vandalised.<\/span><\/p>\n

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Hence, the contract of an insurance based contract which is the nature of the transaction you are referring to with the tracker device is outlined as such:<\/span><\/p>\n

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The client pays a premium for unknown future instances that may or may not occur.<\/span><\/p>\n

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The transaction is like a gamble as you may benefit from the transaction or you may not depending on what happens through the year.<\/span><\/p>\n

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Regarding Gambling, this Hadith by Ibn Abbas (RA) mentions:<\/span><\/p>\n

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Ibn Abbas said:<\/span><\/p>\n

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The Quranic verse :\u201dO ye who believe ,approach not prayer with minds befogged until you can understand all they say,\u201d and the verse: \u201cThey ask thee concerning wine and gambling. Say: In them is great sin and some profit for men ,\u201d were repeated by the verse in Surat al-Ma\u2019idah: \u201dO ye who believe, intoxicants and gambling,(dedication) stones.<\/span><\/p>\n

(Sunan Abu Dawood, 3672) (2)<\/span><\/p>\n

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Therefore, as insurance involves Riba and gambling, it is impermissible.<\/span><\/p>\n

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The gamble exists in the unknown outcome that is attached as a condition to the contract. Such sales are called Bay’ul Gharar and this has been prohibited. (3)<\/span><\/p>\n

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In the UK, the following is the law:<\/span><\/p>\n

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“In 1930, the UK Government introduced a law that required every person who used a vehicle on the road to have at least third-party personal injury insurance. Today, this law is defined by the Road Traffic Act 1988” (4)<\/span><\/p>\n

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Therefore, in response to your query, the deal with the comprehensive leasing insurance would be considered an interest based insurance transaction and this will be impermissible.<\/span><\/p>\n

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

Written by Muftiyah Habiba Akhtar\u00a0<\/span><\/p>\n

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

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

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1)<\/span><\/p>\n

[https:\/\/www.iii.org\/article\/what-auto-insurance#:~:text=Auto%20insurance%20is%20a%20contract,of%20an%20accident%20or%20theft.&text=Auto%20insurance%20provides%20coverage%20for,bodily%20injury%20or%20property%20damage<\/a>]<\/span><\/p>\n

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(2)<\/span><\/p>\n

\u0639\u064e\u0646\u0650 \u0627\u0628\u0652\u0646\u0650 \u0639\u064e\u0628\u0651\u064e\u0627\u0633\u064d\u060c \u0642\u064e\u0627\u0644\u064e \u200f{\u200f \u064a\u064e\u0627 \u0623\u064e\u064a\u0651\u064f\u0647\u064e\u0627 \u0627\u0644\u0651\u064e\u0630\u0650\u064a\u0646\u064e \u0622\u0645\u064e\u0646\u064f\u0648\u0627 \u0644\u0627\u064e \u062a\u064e\u0642\u0652\u0631\u064e\u0628\u064f\u0648\u0627 \u0627\u0644\u0635\u0651\u064e\u0644\u0627\u064e\u0629\u064e \u0648\u064e\u0623\u064e\u0646\u0652\u062a\u064f\u0645\u0652 \u0633\u064f\u0643\u064e\u0627\u0631\u064e\u0649 \u200f}\u200f \u0648\u064e \u200f{\u200f \u064a\u064e\u0633\u0652\u0623\u064e\u0644\u064f\u0648\u0646\u064e\u0643\u064e \u0639\u064e\u0646\u0650 \u0627\u0644\u0652\u062e\u064e\u0645\u0652\u0631\u0650 \u0648\u064e\u0627\u0644\u0652\u0645\u064e\u064a\u0652\u0633\u0650\u0631\u0650 \u0642\u064f\u0644\u0652 \u0641\u0650\u064a\u0647\u0650\u0645\u064e\u0627 \u0625\u0650\u062b\u0652\u0645\u064c \u0643\u064e\u0628\u0650\u064a\u0631\u064c \u0648\u064e\u0645\u064e\u0646\u064e\u0627\u0641\u0650\u0639\u064f \u0644\u0650\u0644\u0646\u0651\u064e\u0627\u0633\u0650 \u200f}\u200f \u0646\u064e\u0633\u064e\u062e\u064e\u062a\u0652\u0647\u064f\u0645\u064e\u0627 \u0627\u0644\u0651\u064e\u062a\u0650\u064a \u0641\u0650\u064a \u0627\u0644\u0652\u0645\u064e\u0627\u0626\u0650\u062f\u064e\u0629\u0650 \u200f{\u200f \u0625\u0650\u0646\u0651\u064e\u0645\u064e\u0627 \u0627\u0644\u0652\u062e\u064e\u0645\u0652\u0631\u064f \u0648\u064e\u0627\u0644\u0652\u0645\u064e\u064a\u0652\u0633\u0650\u0631\u064f \u0648\u064e\u0627\u0644\u0623\u064e\u0646\u0652\u0635\u064e\u0627\u0628\u064f \u200f}\u200f \u0627\u0644\u0622\u064a\u064e\u0629\u064e<\/span><\/p>\n

(Sunan Abu Dawood, 3672)<\/span><\/p>\n

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(3)<\/span><\/p>\n

\u0646\u0647\u064a \u0627\u0644\u0646\u0628\u064a \u2013 \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\u0633\u0644\u0645 \u2013 \u0639\u0646 \u0628\u064a\u0639 \u0627\u0644\u063a\u0631\u0631\u00bb \u0648\u0627\u0644\u063a\u0631\u0631 \u0645\u0627 \u064a\u0643\u0648\u0646 \u0645\u0633\u062a\u0648\u0631 \u0627\u0644\u0639\u0627\u0642\u0628\u0629<\/span><\/p>\n

(Mabsooth Sarkhasi, Volume 13, Page 68, Darul Marifah)<\/span><\/p>\n

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4)<\/span><\/p>\n

[https:\/\/www.legislation.gov.uk\/ukpga\/1988\/52\/contents<\/a>]<\/span><\/p>\n

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

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