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Can I get Sharia Home Insurance?

Muslim worship is a gratitude to God in the form of testifying to God, praying, paying to charity and the needy, fasting and pilgrimage. The Muslim argument against material insurance is that since society has an obligation to care for its weak and unfortunate, the self-protection granted by an insurance policy has no place in society. The concept of insurance being a protection against harm is implying that harm can be protected against, and that monetary compensation puts a value to harm. In Islam only God protects. The important objectives in Muslim law are to provide a human spiritual system that bring about security, ward off evil doings and prevent hardship to all people, regardless of their faith. In such a system of life one’s necessities are to protect faith, descendants, and life itself. Islam asserts that this is what protects life and people from defection. After various scholars and banking establishments have tried to find a commercial balance between the differing interpretations, the only banks that have come to some kind of Muslim compliant insurance policy is the HSBC. A leading UK bank recently quoted that their product is of a ethical nature of the Takaful system in relation to fairness and mutual co-operation in the sharing of risks and makes an allowance for the restriction of interest under Muslim law. So yes you can get Muslim Home Insurance, however you must satisfy yourself that the policy complies with your own interpretation of the laws.

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Sharia Mortgages Frequently Asked Questions

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