{"id":37605,"date":"2025-05-30T13:41:49","date_gmt":"2025-05-30T13:41:49","guid":{"rendered":"https:\/\/daruliftabirmingham.co.uk\/home\/?p=37605"},"modified":"2025-07-31T23:27:59","modified_gmt":"2025-07-31T23:27:59","slug":"shopping-for-cheaper-insurance-is-it-permissible","status":"publish","type":"post","link":"https:\/\/daruliftabirmingham.co.uk\/home\/shopping-for-cheaper-insurance-is-it-permissible\/","title":{"rendered":"Shopping For Cheaper Insurance: Is It Permissible?"},"content":{"rendered":"

Fatwa ID: 08247<\/strong><\/span><\/p>\n

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Answered by Maulana Abdoullah Limvoonheek<\/strong><\/span><\/p>\n

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

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When renting a car abroad the excess is very high i<\/span>s it allowed to insure this excess separately elsewhere?<\/span><\/p>\n

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

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

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Insurance is forbidden in Islam due to the element of impermissibility such as interest, uncertainty and gambling.<\/span><\/p>\n

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However due to necessity and difficulty, at times some scholars give concession to it. However it will be limited to the usage.<\/span><\/p>\n

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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.<\/span><\/p>\n

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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.<\/span><\/p>\n

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Only Allah (\u0639\u0632 \u0648 \u062c\u0644) knows best.<\/span><\/p>\n

Written by Maulana Abdoullah Limvoonheek<\/span><\/p>\n

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

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

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

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Surah Baqarah ayah 278<\/span><\/p>\n

\u064a\u0670\u06e4\u0640\u0627\u064e\u064a\u0651\u064f\u0647\u064e\u0627 \u0627\u0644\u0651\u064e\u0630\u0650\u064a\u06e1\u0646\u064e \u0627\u0670\u0645\u064e\u0646\u064f\u0648\u0627 \u0627\u062a\u0651\u064e\u0642\u064f\u0648\u0627 \u0627\u0644\u0644\u0651\u0670\u0647\u064e \u0648\u064e\u0630\u064e\u0631\u064f\u0648\u06e1\u0627 \u0645\u064e\u0627 \u0628\u064e\u0642\u0650\u0649\u064e \u0645\u0650\u0646\u064e \u0627\u0644\u0631\u0651\u0650\u0628\u0670\u0653\u0648\u0627 \u0627\u0650\u0646\u06e1 \u0643\u064f\u0646\u06e1\u062a\u064f\u0645\u06e1 \u0645\u0651\u064f\u0624\u06e1\u0645\u0650\u0646\u0650\u064a\u06e1\u0646\u064e<\/span><\/p>\n

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Surah Baqarah ayah 219<\/span><\/p>\n

\u064a\u064e\u0633\u06e1\u0640\u0640\u0626\u064e\u0644\u064f\u0648\u06e1\u0646\u064e\u0643\u064e \u0639\u064e\u0646\u0650 \u0627\u0644\u06e1\u062e\u064e\u0645\u06e1\u0631\u0650 \u0648\u064e\u0627\u0644\u06e1\u0645\u064e\u064a\u06e1\u0633\u0650\u0631\u0650\u200c\u0615 \u0642\u064f\u0644\u06e1 \u0641\u0650\u064a\u06e1\u0647\u0650\u0645\u064e\u0627\u0653 \u0627\u0650\u062b\u06e1\u0645\u064c \u06a9\u064e\u0628\u0650\u064a\u06e1\u0631\u064c \u0648\u0651\u064e\u0645\u064e\u0646\u064e\u0627\u0641\u0650\u0639\u064f \u0644\u0650\u0644\u0646\u0651\u064e\u0627\u0633\u0650 \u0648\u064e\u0627\u0650\u062b\u06e1\u0645\u064f\u0647\u064f\u0645\u064e\u0627\u0653 \u0627\u064e\u06a9\u06e1\u0628\u064e\u0631\u064f \u0645\u0650\u0646\u06e1 \u0646\u0651\u064e\u0641\u06e1\u0639\u0650\u0647\u0650\u0645\u064e\u0627<\/span><\/p>\n

\u0639\u064e\u0646\u0652 \u062c\u064e\u0627\u0628\u0650\u0631\u064d\u060c \u0642\u064e\u0627\u0644\u064e \u0644\u064e\u0639\u064e\u0646\u064e \u0631\u064e\u0633\u064f\u0648\u0644\u064f \u0627\u0644\u0644\u0651\u064e\u0647\u0650 \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\u0633\u0644\u0645 \u0622\u0643\u0650\u0644\u064e \u0627\u0644\u0631\u0651\u0650\u0628\u064e\u0627 \u0648\u064e\u0645\u064f\u0648\u0643\u0650\u0644\u064e\u0647\u064f \u0648\u064e\u0643\u064e\u0627\u062a\u0650\u0628\u064e\u0647\u064f \u0648\u064e\u0634\u064e\u0627\u0647\u0650\u062f\u064e\u064a\u0652\u0647\u0650 \u0648\u064e\u0642\u064e\u0627\u0644\u064e \u0647\u064f\u0645\u0652 \u0633\u064e\u0648\u064e\u0627\u0621\u064c<\/span><\/p>\n

Sahih Muslim hadith 1598<\/span><\/p>\n

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\u0627\u0644\u0645\u0634\u0642\u0629 \u062a\u062c\u0644\u0628 \u0627\u0644\u062a\u064a\u0633\u064a\u0631<\/span><\/p>\n

\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0641\u0642\u0647\u064a\u0629 <\/span>\u0664<\/span><\/p>\n

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Fatwa ID: 08247     Answered by Maulana Abdoullah Limvoonheek   Question:   When renting a car abroad the excess is very high is it…<\/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\/37605"}],"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=37605"}],"version-history":[{"count":7,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37605\/revisions"}],"predecessor-version":[{"id":38553,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37605\/revisions\/38553"}],"wp:attachment":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=37605"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=37605"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=37605"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}