The Ruling on Compulsory Automobile Insurance
Machine translationRead the Arabic original
Question:
These are numerous questions regarding insurance; this is one of them. He says: What is the ruling on the compulsory insurance that the Traffic Department intends to impose on us in Ramadan, and on that basis, the one who does not insure will be held accountable?
Answer:
We have answered this several times; the answer has been repeated that it is forbidden insurance because it is commercial. Commercial insurance in all its forms is forbidden, as a decision was issued by the Council of Senior Scholars and a decision was issued by the Islamic Fiqh Academy in Makkah. However, if a person is compelled to pay it, he pays it but does not benefit from it, because benefiting from insurance is consuming people’s money by falsehood. So he pays it for the sake of necessity and to obtain the dispensation and what he needs, just as was said regarding photography. Photography is forbidden, but it is permissible for a person to take a photograph for the dispensation and the necessary need that he is compelled to meet. This is from necessities; he pays it but does not benefit from it, because benefiting from commercial insurance is forbidden. Yes.
So if he incurs a fine or his car is hit, he is the one who pays the fine and does not take it from the company’s money. Yes. Yes.
The presenter:
May Allah reward you, Honorable Shaykh,
These are numerous questions regarding insurance; this is one of them. He says: What is the ruling on the compulsory insurance that the Traffic Department intends to impose on us in Ramadan, and on that basis, the one who does not insure will be held accountable?
Answer:
We have answered this several times; the answer has been repeated that it is forbidden insurance because it is commercial. Commercial insurance in all its forms is forbidden, as a decision was issued by the Council of Senior Scholars and a decision was issued by the Islamic Fiqh Academy in Makkah. However, if a person is compelled to pay it, he pays it but does not benefit from it, because benefiting from insurance is consuming people’s money by falsehood. So he pays it for the sake of necessity and to obtain the dispensation and what he needs, just as was said regarding photography. Photography is forbidden, but it is permissible for a person to take a photograph for the dispensation and the necessary need that he is compelled to meet. This is from necessities; he pays it but does not benefit from it, because benefiting from commercial insurance is forbidden. Yes.
So if he incurs a fine or his car is hit, he is the one who pays the fine and does not take it from the company’s money. Yes. Yes.
The presenter:
May Allah reward you, Honorable Shaykh,
Source
75-اللقاء الأسبوعي مع الشيخ صالح الفوزان - 32 — archive.org (19:07)
The Arabic text is a machine transcription of the audio recording.