Is it permissible to purchase repair covers for household appliances?

household

Question:

Just wanted to ask that is it permissible to take out repair covers for boilers , fridge ,washing machine etc or is that classed as insurance and not permissible ? Jazakallah Duas

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

It is permissible to purchase repair covers, warranties, guarantees at the time of purchasing the item.  In this scenario, the cover will be a tābi’ (dependant) to the purchased product.  Furthermore, one is receiving a definite tangible return in lieu of the total purchase price in the form of the purchased product.  These two factors eliminate the element of gharar (uncertainty).[1]

Purchasing a separate warranty or repair cover will fall in the category of a conventional insurance product.  All forms of conventional insurance are impermissible.

And Allah Ta’ālā Knows Best

Mufti Faraz al-Mahmudi,
www.darulfiqh.com

 


[1]  (الْمَادَّةُ 216) يَصِحُّ بَيْعُ حَقِّ الْمُرُورِ وَحَقِّ الشُّرْبِ وَالْمَسِيلِ تَبَعًا لِلْأَرْضِ وَالْمَاءِ تَبَعًا لِقَنَوَاتِهِ. (المجلة)

(الْمَادَّةُ 234) : مَا دَخَلَ فِي الْبَيْعِ تَبَعًا لَا حِصَّةَ لَهُ مِنْ الثَّمَنِ , مَثَلًا: لَوْ سُرِقَ خِطَامُ الْبَعِيرِ الْمُبْتَاعِ قَبْلَ الْقَبْضِ لَا يَلْزَمُ فِي مُقَابَلَتِهِ تَنْزِيلُ شَيْءٍ مِنْ الثَّمَنِ الْمُسَمَّى. (المجلة)

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