Is it permissible to insure a car with a commercial insurance company that repairs the car with money collected from clients and does not return the funds if no accident occurs, or is it obligatory to insure with an Islamic insurance company that has a low repair efficiency?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Islamic Takaful insurance is permissible (comprehensive or third-party), whereas commercial insurance is forbidden, and it is not permissible to subscribe to it voluntarily. If one is coerced into it, then one should limit it to the extent of necessity. The fact that Takaful insurance services are fewer does not justify committing the forbidden.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/105651
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 105651
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy