{"id":37001,"date":"2025-05-11T10:43:00","date_gmt":"2025-05-11T10:43:00","guid":{"rendered":"https:\/\/daruliftabirmingham.co.uk\/home\/?p=37001"},"modified":"2025-07-13T23:41:37","modified_gmt":"2025-07-13T23:41:37","slug":"islamic-ruling-on-rental-car-insurance-option","status":"publish","type":"post","link":"https:\/\/daruliftabirmingham.co.uk\/home\/islamic-ruling-on-rental-car-insurance-option\/","title":{"rendered":"Islamic Ruling on Rental Car Insurance Options"},"content":{"rendered":"<p style=\"text-align: right;\"><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Fatwa ID: 08158<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Answered by: <\/strong><\/span><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Maulana Muhammad Zubair Khan Alizai<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Question:<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">When renting a car, one has to choose an insurance option\u2014basic, medium, or maximum. Is this insurance permissible? Some companies give you a choice: either you choose one of the three types of insurance, or as a security, they take \u00a31000 from your credit card, which is returnable after you return the car with no faults etc. So what would be permissible in all of this?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>In the name of Allah, the Most Gracious, the Most Merciful<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>Answer:<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Insurance, whether it is on cars, houses, or for oneself\u2014whichever kind they may be like life insurance or time-restricted insurance\u2014all of these are not permitted in Islam. The reason for this, as Ulama have explained, is the factor of interest where you pay a certain amount and then are given more in return. There is also the factor of gambling attached to insurance, such that there is uncertainty about how much you will receive or even if you will receive anything. Thirdly, there is also the issue or element of deception.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">If there is a law in the country you live in which necessitates that you take out insurance on the car, then the minimum level which is required of you\u2014that amount of insurance\u2014will be permissible to take out.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">With regards to your case, if you can choose the option which is a deposit or security of \u00a31000 paid in advance for the service of renting the car, and then this is returned to you, then this would be the best option. If that is not possible, then the basic level of insurance would be permissible if there is no other viable option and it is a legal requirement.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">For further information, please refer to the fatwa of our teacher Mufti Mohammed Tosir Miah:<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">https:\/\/islamqa.org\/hanafi\/daruliftaa-birmingham\/19496\/can-i-pay-my-car-insurances-in-monthly-instalments-or-do-i-have-to-pay-it-yearly\/<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Only Allah Ta\u2018ala knows best<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Written by: <\/span><span style=\"font-family: verdana, geneva, sans-serif;\">Maulana Muhammad Zubair Khan Alizai<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Checked and approved by: <\/span><span style=\"font-family: verdana, geneva, sans-serif;\">Mufti Mohammed Tosir Miah<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">Darul Ifta Birmingham<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\"><strong>References:<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><span style=\"font-family: verdana, geneva, sans-serif;\">\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 \u0627\u0644\u0645\u0643\u062a\u0628\u0629 \u062f\u0627\u0631 \u0627\u0644\u0641\u0643\u0631 \u0627\u0644\u0645\u062c\u0644\u062f \u0666 \u0627\u0644\u0635\u0641\u062d\u0629 \u0664\u0664\u0665<\/span><\/li>\n<\/ol>\n<p><span style=\"font-family: verdana, geneva, sans-serif;\">&#8230; 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\u0648\u064e\u0627\u062d\u0650\u062f\u064d \u0628\u0650\u0623\u064e\u0646\u0652 \u064a\u064e\u0642\u064f\u0648\u0644\u064e: \u0625\u0646\u0652 \u0633\u064e\u0628\u064e\u0642\u0652\u062a\u064e\u0646\u0650\u064a \u0641\u064e\u0644\u064e\u0643\u064e \u0639\u064e\u0644\u064e\u064a\u064e\u0651 \u0643\u064e\u0630\u064e\u0627\u060c \u0648\u064e\u0625\u0650\u0646\u0652 \u0633\u064e\u0628\u064e\u0642\u0652\u062a\u064f\u0643 \u0641\u064e\u0644\u064e\u0627 \u0634\u064e\u064a\u0652\u0621\u064e \u0644\u0650\u064a \u0639\u064e\u0644\u064e\u064a\u0652\u0643 \u062c\u064e\u0627\u0632\u064e \u0627\u0633\u0652\u062a\u0650\u062d\u0652\u0633\u064e\u0627\u0646\u064b\u0627 \u0648\u064e\u0644\u064e\u0627 \u064a\u064e\u062c\u064f\u0648\u0632\u064f \u0641\u0650\u064a\u0645\u064e\u0627 \u0639\u064e\u062f\u064e\u0627 \u0627\u0644\u0652\u0623\u064e\u0631\u0652\u0628\u064e\u0639\u064e\u0629\u0650 \u0627\u0644\u0652\u0645\u064e\u0630\u0652\u0643\u064f\u0648\u0631\u064e\u0629\u0650 \u0641\u0650\u064a 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option\u2014basic,&#8230;<\/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":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37001"}],"collection":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=37001"}],"version-history":[{"count":5,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37001\/revisions"}],"predecessor-version":[{"id":38376,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37001\/revisions\/38376"}],"wp:attachment":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=37001"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=37001"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=37001"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}