Use of insurance.

Answered according to Hanafi Fiqh by

Q. I would like some fatwah on the use of insurance please.

A. Because of the fact that the entire insurance system is connected to Riba (interest), the majority of Islamic scholars have ruled against it. Hence, it will not be permissible for one to get into. However, where it is the law of a country to have a certain type of insurance (like that of car insurance in our country), it will be allowed to the extent of need. As for other forms and types of insurances where an individual has the choice to get involved in, it will not be permissible for him/her to take out an insurance policy.

If an insurance is based on Islamic principles and is not connected to Riba (interest), and is also free from other unislamic principles, then it would be allowed to use such facility.

And Allah knows best.

Mufti Waseem Khan

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

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