Fatwa against Insurance.

Answered according to Hanafi Fiqh by DarulUloomTT.net


I require a reference of any written fatwa against insurance and why is there any reliable Hadeeth in this order.


In response to our inquiry about written fatawas regarding insurance, we produce the following:

In a fatawa issued by Shaikh Abdullah Bin Baaz and documented in the book Fatawa Islamiyah Vol. 5 pg. 19 states, “Insuring one’s life and property is forbidden and is not permissible due to the fact that Al-Garar and usury are involved therein”.

The same ruling has been given by Shaikh Ibn Jibreen and Shaikh Ibn Uthaimin on other forms of insurance.

(Fatawa Islamiyah Vol. 5 Pg. 20, 21)

A fatawa issued by Mufti Ahmad, the chief Mufti of Jamia Islamia, Dabhel, Gujarat, India, states: “With respect to insurance, the Islamic jurists are unanimous on the point that it is a combination of usury and gambling and both are totally forbidden in Islam.

As such it would be haram and impermissible for one to be involved in insurances.

(Fiqhi Mabahith Vol. 4 Pg. 240)

A fatawa issued by Mufti Nizamudeen, the Grand Mufti of Darul Uloom Deoband, India states, “Insurance, whether it is life insurance or other forms in itself is either usury or gambling, because of which it is totally Haram (Forbidden).

(Fiqhi Mabahith Vol. 4)

And Allah knows best.
Mufti Waseem Khan

This answer was collected from DarulUloomTT.net, which is operated under the supervision of Mufti Waseem Khan from Darul Uloom Trinidad and Tobago.