Halal Insurance Australia

Quran and Sunnah Methodology

Our evidence-based approach to evaluating insurance contracts through primary Islamic sources.

Primary Sources

All analysis begins with the foundational sources of Islamic law: the Qur’an and authenticated Sunnah (sayings and practices of Prophet Muhammad pbuh).

Qur’anic Principles

1

Justice and Fairness

"O you who have believed, do not consume one another's wealth unjustly but only [in lawful] business by mutual consent." - Qur’an 4:29
2

Prohibition of Riba

"Allah has permitted trade and forbidden riba." - Qur’an 2:275
3

Rejection of Maysir

"Intoxicants and gambling... are abominable of Satan's doing." - Qur’an 5:90

Prophetic Guidance

1

Gharar Prohibition

"The Messenger of Allah forbade transactions involving gharar." - Sahih Muslim
2

Mutual Support

"The believer is the brother of the believer." - Sahih Bukhari
2

Reasonable Caution

"Tie your camel and trust in Allah." - Hadith

Analysis Framework

📋 Contract Structure

Evaluate the fundamental mechanics of the insurance contract, not just marketing claims.

⚖️ Islamic Maxims

Apply qawāʿid fiqhiyyah like "necessity permits the prohibited" and "hardship invites ease."

🎯 Practical Context

Consider real-world application in different jurisdictions and individual circumstances.

Scholarly Tradition

Our methodology draws from classical Islamic commercial law (fiqh al-muʿāmalāt) while respecting contemporary scholarly opinions. We emphasize evidence-based conclusions and acknowledge that ijtihad (reasoned interpretation) may lead to varying scholarly views on modern financial products.

Key Ethical Considerations

  • • Prioritizing cooperating (takaful) over competing (conventional insurance)
  • • Balancing practical needs with spiritual adherence
  • • Promoting transparency and ethical business practices
  • • Respecting individual scholarly differences while maintaining Islamic principles