Insurance and Medical aid

Q: I have a tyre repair shop. I want to get this RMI Accreditation for it. Its like a motoring board and carries weight in the vehicle repair and service industry.

One of the requirements in order to be accredited is that I must have a 3rd party insurance to the value of 500k. So if something happens to the customer's vehicle in the shop or a customer's vehicle gets stolen or damaged, etc. the insurance will cover the vehicle.

So the insurance won’t be for my business, it will only be 3rd party to cover the customers vehicles, etc.

Is it permissible to take out that insurance to get the accreditation or must I stay away from it completely. 

Q: A family member's car was stolen. They are getting paid out by the insurance. They have been accredited for Hajj today. Can this insurance money be used to perform Hajj?

Q: I have a workshop where I repair vehicles. In order for me to be accredited I have to take out a third party insurance in case any customer's vehicles get damaged at my workshop. If I do not take out this third-party insurance, I will not get accreditation.

Is it permissible for me to take out this third-party insurance?

Q: Discovery have come out with a “shariah” compliant medical aid scheme.

Is this permissible?

Q: Scenario:

I met up in an accident some time ago. The back bumper and other parts were damaged. I then met up in a second accident and, the car was damaged at the same place before I got it fixed. The person with the second accident has insurance.

So will it be permissible for me to claim the complete cost of it and not tell them that the car was in an accident before. If I do tell them that the car was in an accident before, the insurance company will not pay anything for the damaged.

Will it be permissible for me not to tell them and claim the entire amount from them?

Q: Based on the Sharee solution at the end of this answer: https://muftionline.co.za/node/30854 , if the money is paid to the hospital or doctor directly monthly, and after one or two months, a service needs to be rendered that exceeds the amount the customer/patient has paid the doctor or hospital to-date, will that also be regarded as interest, or will it be acceptable due to it being a service received and not money?

Q: I wish to enquire regarding a new type of insurance called Takaaful. Is this new type of insurance permissible in Islam? Does Islam allow one to insure his house or car etc.?

I was always under the impression that all types of insurance are haraam.  However, I have been told that Takaaful insurance is quite different to conventional insurance as it is a waqf that one is investing in and by taking out this type of insurance, one will perpetually be gaining reward.

Q: If a person pays for airplane tickets with a credit card then certain banks offer free travel insurance due to the payment being made with their credit card. Will it be permissible to use this insurance?

Q: A person shipped an item with a courier, only paying for the courier service without any additional insurance fees. The courier company does however provide insurance for lost or damaged parcels as part of their service.

A parcel was lost and the courier company offered to pay out the value of the item, subject to one filling out a claim form. Will it be permissible to make this claim and recieve the payment of the value of the lost item?

Q: If someone wants to visit their family and friends living in a country which requires the covid insurance (small amount like $40) which is mandatory at the time of entry, is it allowed?