What is the ruling on purchasing a car in installments through the company where the buyer works, given that the seller stipulates mandatory car insurance and life insurance for the buyer, and that car insurance is compulsory in the buyer's country?

What this company is doing is an interest-bearing loan (riba-based loan). It pays the price of the car to the seller, then collects it from the buyer with an increase. A loan with an increase is prohibited interest (riba). In addition, the company stipulates life insurance, and commercial insurance is prohibited in all its forms. Therefore, it is not permissible for the employee to buy the car in this manner. However, if the payment is made without an increase, it is a good loan (qard hasan) with no objection to it.