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Is Takaful Insurance Halal?

Q: Please could you inform me what is the ruling on vehicle and property insurance with takaful? I am aware that conventional insurance is not allowed, but is it allowed if taken out with takaful? And if not are there any halaal insurance options available?


A: After studying and examining the Takaful scheme, we do not find substantial difference between it and the conventional insurance. The elements of gambling and interest are common in both, hence Takaful is impermissible.

And Allah Ta’ala (الله تعالى) knows best.

يأَيُّهَا الَّذينَ ءامَنوا لا تَأكُلُوا الرِّبوا أَضعفًا مُضعَفَةً وَاتَّقُوا اللَّهَ لَعَلَّكُم تُفلِحونَ ﴿النساء: ٢٩﴾

Answered by:

Mufti Zakaria Makada

Checked & Approved:

Mufti Ebrahim Salejee (Isipingo Beach)

This answer was collected from MuftiOnline.co.za, where the questions have been answered by Mufti Zakaria Makada (Hafizahullah), who is currently a senior lecturer in the science of Hadith and Fiqh at Madrasah Ta’leemuddeen, Isipingo Beach, South Africa.

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