What is the ruling on cooperative insurance for a driver's license?
Machine translationRead the Arabic original
Question:
May Allah reward you, Honorable Shaykh. This questioner says: What is the ruling on cooperative insurance for a driver's license?
Answer:
There is no insurance for the license; this is commercial insurance, not cooperative. Cooperative insurance is voluntary, a matter of donation, like charitable associations. These charitable associations are the cooperative ones, where people donate amounts of their money to those in need, those who have been struck by poverty, those who have been hit by a calamity, or those burdened by a debt who cannot pay it off. The association pays it off for them. This is called a cooperative association, even if it is called insurance. But I do not see that it should be called insurance; I see that it should be called a cooperative association or a charitable association. That is the appropriate name. Because if you call it cooperative insurance, the one who advocates for insurance will rejoice and say that all insurance is cooperative. They say that all insurance is cooperative, and they have merged this with that in order to deceive people. Commercial insurance is invalid because of the excessive uncertainty (gharar) it contains, the risks, the gambling, the consumption of people's wealth unjustly, riba (usury or interest), and other such prohibitions.
They call it cooperative, cooperative in sin and aggression. Yes, it is cooperative, but cooperative in sin and aggression. Allah the Exalted says:[Al-Ma'idah 5:2]
May Allah reward you, Honorable Shaykh. This questioner says: What is the ruling on cooperative insurance for a driver's license?
Answer:
There is no insurance for the license; this is commercial insurance, not cooperative. Cooperative insurance is voluntary, a matter of donation, like charitable associations. These charitable associations are the cooperative ones, where people donate amounts of their money to those in need, those who have been struck by poverty, those who have been hit by a calamity, or those burdened by a debt who cannot pay it off. The association pays it off for them. This is called a cooperative association, even if it is called insurance. But I do not see that it should be called insurance; I see that it should be called a cooperative association or a charitable association. That is the appropriate name. Because if you call it cooperative insurance, the one who advocates for insurance will rejoice and say that all insurance is cooperative. They say that all insurance is cooperative, and they have merged this with that in order to deceive people. Commercial insurance is invalid because of the excessive uncertainty (gharar) it contains, the risks, the gambling, the consumption of people's wealth unjustly, riba (usury or interest), and other such prohibitions.
They call it cooperative, cooperative in sin and aggression. Yes, it is cooperative, but cooperative in sin and aggression. Allah the Exalted says:
And cooperate in righteousness and piety, but do not cooperate in sin and aggression. And fear Allah; indeed, Allah is severe in penalty.
وَتَعَاوَنُوا عَلَى الْبِرِّ وَالتَّقْوَىٰ وَلَا تَعَاوَنُوا عَلَى الْإِثْمِ وَالْعُدْوَانِ وَاتَّقُوا اللَّهَ إِنَّ اللَّهَ شَدِيدُ الْعِقَابِ
Source
قناة «العلامة الدكتور صالح الفوزان»، ما حكم التأمين التعاوني على رخصة القيادة؟ لمعالي الشيخ صالح الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.