Is it permissible to take a non-interest-bearing loan from an Islamic bank if it requires comprehensive commercial insurance?

The bank's act of lending people an interest-free loan (Qard Hasan) is a righteous deed. It is permissible for the bank to request a mortgage or a guarantor to secure its debt. However, it is not permissible for the bank to stipulate a prohibited commercial insurance, because it forces the borrower into an insurance contract based on usury (riba) and gambling (maysir). It is not permissible to engage in this insurance for the sake of a loan or otherwise. The Permanent Committee for Issuing Fatwas has ruled that this type of commercial insurance is prohibited due to its inclusion of uncertainty (gharar), usury (riba), and ignorance (jahalah). It is not permissible to take the loan while committing to the condition of insuring the house.