Two ways to protect you on the road. Liability (legally required) — we connect you with a ethically-aligned provider. Comprehensive (your car's protection) — you join our community Recovery Fund with a monthly contribution. When calamity hits, the community catches you.
Liability is the legally-required part. Comprehensive is the community part. Most members layer them together for full road protection.
Pays for damage you cause to others. Required by every US state for legal auto operation. We connect you with an ethically-aligned Takaful provider partner who handles the coverage directly.
Typical pricing: from approximately $60–$120/month, depending on your driving record and state minimums. You pay the provider directly.
Get a liability quotePays to repair or replace YOUR vehicle. You join Qardon.org as a member with a monthly contribution to the pool. When calamity hits — collision, theft, fire, weather, vandalism, total loss — our Recovery Fund responds. Repairs route to our Partner Network at member-discount rates.
Payouts capped per incident and per 12-month period to keep the fund whole. See the caps below.
Become a Recovery memberThe mechanism is the same. The meaning shifts depending on who you are.
The community catches you. When you give monthly to Qardon.org, you join a community where everyone gives what they can and anyone can receive help when calamity hits. Your contribution is not a fee and is not a payment for a service — your car is not under any contractual coverage. The contribution enters the member-funded pool unrestricted.
When your car gets wrecked, stolen, burned, vandalized, or totaled — you file a claim. The Recovery Fund responds based on its rules and available funds. The repair is routed to a Partner Network shop near you at the member-discount rate, or you can choose your own shop and we pay up to the partner-rate equivalent.
This is what mutual aid looks like when it's built well. Open to anyone. Used by everyone.
The monthly contribution IS a goodly loan — given to Allah قَرْض حَسَن. Mentioned in more than six places in the Quran. Allah promises multiplied reward — many-fold — for the giver in this life and the hereafter. The structure is ancient; the implementation is digital.
Your contribution enters the pool. The pool revolves perpetually — every cycle, fresh hasanah. Some of the pool's investment yield supports Recovery. When calamity touches you, you draw on Recovery — but the loan in the Quranic sense is to Allah, not to anyone specific. Your dignity is preserved; no one looks down on the receiver.
This is Bait al-Mal restored — the institution closed for 120 years, reopened through software. إن شاء الله, this is the path back to a system Allah accepts.
We do not collect or store your faith preference; this toggle adjusts only the language on your screen.
From calamity to payout in a few simple steps.
The Recovery Fund is a shared community resource. Caps ensure no single claim exhausts the fund.
Caps are reviewed annually by the Qardon Review Panel and adjusted based on fund growth and member feedback. Partial payouts are possible when fund availability is constrained.
Membership is what activates Recovery — and any monthly contribution makes you an active member.
Eligibility is decided by the engine. No interrogation, no need-narrative, no story required. Just facts about what happened.
Pick the one that fits your moment. Most members come back for the other within their first month.