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Motor Vehicle Insurance

Answered as per Hanafi Fiqh by Askimam.org

Assalamo alaikum,

I am currently living in Melbourne Australia and here according to the law, having car insurance is not mandatory. Having said that, if you don’t take car insurance and if you hit a car with you at fault and let say the cost you have to pay is 50000 dollars, then you may ended up in a situation, where you would be paying installment forever. In order to avoid this situation, is it permissible to take car insurance (Comprehensive or Third party) in Australia ?




In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

We commend you on your sensitivity of staying away from Haraam.

All types of car insurance are Haraam whether it is third party insurance or comprehensive insurance as it involves interest and gambling. If, however, one is obliged by the law of the country to do so, then one will be excused to take out third party insurance. [1]

And Allah Ta’āla Knows Best

Muhammad I.V Patel

Student Darul Iftaa
Lusaka, Zambia

Checked and Approved by,
Mufti Ebrahim Desai.

فتاؤي عثماني جلد 3  ص314   [1]

انشورنس سود اور قمار پر مشتمل ہونے کی بنا پر بالکل حرام ہے- البتہ جو انشورنس حکومت کی طرف سے لازمی ہو، مثلاً موٹر وغیرہ کا بیمہ، اس کو مجبوراً کرا سکتے ہیں، مگر جب رقم ملے

تو صرف اتنی رقم خود استعمال کر سکتے ہیں جتنی خود داخل کی تھی، اس سے زائد نہیں

جديد فقهي مباحث جلد 12

امداد الفتاوى جلد 3 ص 161 مكتبه دار العلوم كراچي




This answer was collected from Askimam.org, which is operated under the supervision of Mufti Ebrahim Desai from South Africa.

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