Q: If I want to get a car, and in this country it is the law that you have to have car insurance if you drive a car on the roads. Would I be committing a sin by getting a car? Should I try to not get a car?
A: It is permissible to purchase a car in spite of the insurance that is mandatory. Though insurance is haraam but because it is a condition that cannot be avoided, one will be excused. Nowadays a car is not a luxury but a necessity. In cases of such a level of necessity Shariah rules that one will be allowed to take out the insurance. As soon as the car is paid up, the insurance should be cancelled
Mufti Siraj Desai