Is it permissible to take out insurance on the basic components of a new car?

Question:
May Allah reward you, Honorable Shaykh. This questioner says: I bought a car from a showroom, and the owner of the showroom said to me, "Here is a warranty for one thousand riyals for one year, or twenty thousand kilometers, and you have the option." Is it permissible to take this warranty for the basic components of the car only? And what is the concern if this is not permissible?

Answer:
This does not need a warranty. If a defect is found in the car that was there before the sale, then he bought it with the option. If he wishes, he can keep it and take the compensation, which is the value of the defect, or if he wishes, he can return it. He does not need a warranty; this is something the Lawgiver has provided for him. However, if the defect occurred after the sale, then it is the responsibility of the buyer, not the seller. If a defect occurs, meaning he bought it sound and the defect happened after the purchase, then it is the responsibility of the buyer and the seller does not guarantee it. Yes, so this warranty is not valid.