What is the expiation for insuring goods, knowing its impermissibility beforehand, but forgetting the ruling at the time of insuring? And is it permissible to purchase silver online with it arriving two days later at a foreign post office box?
Commercial insurance is impermissible (), but since you forgot about it, the sin is lifted from you, based on the : "Indeed, Allah has pardoned for me my Ummah their mistakes, their forgetfulness, and what they are coerced into."
It is not permissible to purchase silver without immediate mutual possession (qabd), because the silver will not reach you until two days later, unless an agent takes possession of it on your behalf and then sends it to you.
If the intention of the option (khiyar) condition is that you have the choice to either proceed with the sale or cancel it, then this condition and the contract are both invalid according to the majority of scholars. According to the Hanbalis, the contract is valid but the condition is void, because the option condition in the sale of silver violates the requirement of immediate mutual possession.
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