He says: What is the ruling on comprehensive insurance? The basic principle regarding insurance, and Allah the Blessed and Exalted knows best, is that it is not allowed.

The basic principle regarding insurance is that it is not allowed, because it is a type of gambling.

The basic ruling on tayammum is that it is a form of gambling, if something happens.

In the car, more than what you paid, so.

You take from them, and if nothing happens to the car or something happens that is less than what you paid, they benefit, so it is an issue related to fate.

What will happen in the future? If the year passes and there are no accidents, they profit from your money, and if there are accidents less than what you paid, they profit from you.

If the accidents are more than what you paid, they lose from you, so they are engaging in gambling.

He does not know; accidents are matters of destiny, no one knows about them. So the basic ruling is that it is haram, this is its basic ruling.

Insurance. So now they have made an exception or brought something called cooperative insurance.

And cooperative insurance is when a group of people come together and say: we will cooperate, each one pays an amount of money as a donation.

Okay, and if any one of us needs it.

He takes from this money, and we do not ask for it back.

This money, meaning it's gone, this is permissible if it's for the purpose of mutual support.

So whether it's third-party or comprehensive, and avoiding the comprehensive is better, and Allah knows best.