What is the ruling on lease-to-own contracts in the UK, where the lessee is responsible for paying the car insurance premium against accidents or fire, and does this render the contract void, knowing that the lessor bears the cost of non-operational faults?

If the insurance premium paid by the tenant is part of the rent, then there is no prohibition in that, and the lessor bears the damage. However, if the insurance premium is separate from the rent amount and the tenant is stipulated to provide guarantee, then this is not permissible because the rent becomes unknown. This possibility is considered part of the guarantee for the leased asset borne by the tenant, whereas for the permissibility of lease-to-own, it is stipulated that the guarantee of the asset must be solely on the lessor. And if the insurance is commercial, that is an additional reason for the contract to be forbidden.