FatwaFederal TerritoriesTransactions & Finance
IRSYAD HUKUM SIRI KE-532: MENGAMBIL INSURANS DARIPADA SYARIKAT KONVENSIONAL KERANA TERPAKSA
What is the ruling on taking conventional vehicle insurance when takaful companies do not offer cover for an old motorcycle?
Short answer
In principle, a Muslim must make every effort to find a takaful operator to cover his vehicle, since the 2008 National Fatwa Committee decision held that general insurance, including car insurance, is not permitted.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Federal Territories Mufti Office
- Date
- Status
- Opinion (irsyad)
- Series
- Irsyad al-Hukum (Umum)
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
In principle, a Muslim must make every effort to find a takaful operator to cover his vehicle, since the 2008 National Fatwa Committee decision held that general insurance, including car insurance, is not permitted. If those efforts fail and no takaful company offers cover for older vehicles, taking conventional insurance is permitted. This is based on the legal requirement to insure vehicles, with the risk of fines and compounds, which is treated as a pressing need. The allowance is temporary, and the person must switch to takaful once such an offer becomes available.
Written in our own words from the original fatwa — check the source before acting on it.
Namun begitu, sekiranya usahanya tidak berhasil dan ternyata tiada syarikat takaful yang menawarkan insurans bagi kenderaan lama, maka diharuskan baginya untuk mengambil insurans konvensional.
Read the full fatwa on the Federal Territories website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Federal Territories Mufti Office. “IRSYAD HUKUM SIRI KE-532: MENGAMBIL INSURANS DARIPADA SYARIKAT KONVENSIONAL KERANA TERPAKSA”, 17 August 2020. https://muftiwp.gov.my/ms/artikel/irsyad-hukum/umum/4597-irsyad-al-fatwa-siri-ke-532-mengambil-insurans-daripada-syarikat-konvensional-kerana-terpaksa. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/conventional-insurance-old-vehicle-when-forced/