Is the questioner's situation – given the lack of suitable employment, the need to save money for a demanding course of study for a specific profession, and the difficulty of achieving this except by leasing a car to a company that requires comprehensive insurance – considered a necessity that permits him to contract for insurance with the company, provided that he commits to neither benefiting from it nor letting the company benefit, and repairing the car outside of the insurance or paying the cost of repair to absolve himself, knowing that alternative opportunities available to him are unfeasible or impossible?
It has been previously stated that cooperative insurance is permissible, and that the limit of necessity which permits what is otherwise forbidden is when a person is on the verge of perishing, or is critically ill. Renting a car to a company for a monthly fee to transport employees is a permissible lease. However, stipulating commercial insurance on it is not permissible in Islamic law. There is no necessity in this case. A Muslim must seek lawful sustenance, for whoever gives up something for the sake of Allah, Allah will compensate him with something better.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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