Friday | 12 August 2022 | 14 Muharram 1444
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Fatwa Answer

Question ID: 1513 Category: Dealings and Transactions
Used Vehicle Warranty

Asalamualaikum

I recently bought a used vehicle at a Dealership. When buying the vehicle they offered me a bumper to bumper warranty of $2,700. If after a few months I am not satisified they can re-imburse me the rest of the money. I told them that I had to do my own research before getting back to them. Is this used vehicle warranty permissible now since I have already bought my vehicle? Can I go back to the dealer and buy it? Or since it was not bought at the same time as the vehicle it is not permissible as it is a seperate transaction and insurance is not permissible.

JazakumAllah Khair

بسم اللہ الرحمن الرحیم

الجواب وباللہ التوفیق

Insurance is haraam, it is necessary to avoid it as much as possible. But under a legal compulsion, there could be an allowance for that, only to the extent of its requirement. Since Third Party Insurance is generally sufficient in most situations, therefore the extent of warranty coverage should be limited to that only. Accordingly; bumper-to-bumper warranty will not be permissible. 

ما في ’’ القرآن الکریم ‘‘ : {أحل اللّٰہ البیع وحرم الربوا} ۔ (سورۃ البقرۃ : ۲۷۵)

عن عليؓ، قال: لعن رسول اﷲ صلی اﷲ علیہ وسلم آکل الربا، ومؤکلہ، وشاہدیہ، وکاتبہ، ومانع الصدقۃ۔ (مسند أحمد بن حنبل ۱/۱۲۱، رقم:۹۸۰، مشکاۃ ۲۴۶)

ما في ’’ القرآن الکریم ‘‘ : {یا أیہا الذین اٰمنوا إنما الخمر والمیسر والأنصاب والأزلام رجسٌ من عمل الشیطٰن فاجتنبوہ لعلکم تفلحون} ۔ (سورۃ المائدۃ :۹۰)

ما في ’’ أحکام القرآن للجصاص ‘‘ : ولا خلاف بین أہل العلم في تحریم القمار ، وأن المخاطرۃ من القمار ، قال ابن عباس : إن المخاطرۃ قمار ، وأن أہل الجاہلیۃ کانوا یخاطرون علی المال والزوجۃ ، وقد کان ذلک مباحًا إلی أن ورد تحریمہ ۔ (۱/۳۹۸) 

فقط واللہ اعلم بالصواب