“Breakdown cover” (insurance covering the cost of towing the car if it breaks down on the highway).

Dought & clear, - I am a student who has been sponsored to attend
university studiesabroad. I have a car that is not new and is prone to
stopping at any time. Please note that in this country if cars break
down, no one will ever stop to help you, especially on the highways,
which poses adanger to me and my family. In this country there are
companies that, for a payment of approximately two hundred riyals for
an annual contract, will come to you if you call them by phone, and
theywill repair your car if theproblem is simple, or else they will
tow it to the nearest repair shop, even if your car breaks down more
than once. Also, if your car does not break down during this year, you
do not have the right to ask for any money back. What is the ruling on
this, knowing that it is called insuranceor breakdown cover?
Praise be to Allah.
This kind of insurance contract is based on ambiguity, which is
haraam. The ambiguity in this case is that the person will pay this
amount (200 riyals) and he may benefit from it tohave his car towed if
it breaks down one or more times, or he may not benefit from it at
all, if his car does not break down.
The fatwas of the scholars clearly state thatthis kind of insurance,
and similar kinds of commercial insurance, are haraam.
But in light of the problem that you mention, if you can make an
agreement with a company that offers particular services,such as oil
changes, navigation information, or regular maintenance and checkups,
in addition to towing the car if it breaks down, then we hope that
there will not be anything wrong with that, and it will be an
acceptable alternative to the problem that you mention.
We ask Allah to help and guide us and you.
And Allah knows best.