If you are forced to take out haraam insurance, then it is permissible for you, when receiving compensation for the disaster you mention, to take all that you have previously paid – anything more than that should be given in charity. And Allaah knows best.

Rulings Insurance

Principles of Fiqh

Jurisprudence and Islamic Rulings

Transactions

Insurance

Sheikh Muhammed Salih Al-Munajjid

Contemporary Transactions

What can a person
    who has insurance take when disaster strikes?

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What can a person who has insurance take when disaster strikes?