*INFALLIBLE PROTECTION FORMULAS*
The greatest insurance is Sadaqah. Instead of giving premiums to Haraam insurance scheme, rather invest in Sadaqahs daily and get protection from Allah Ta`ala. By giving sadaqah often, you will see that accidents, wounds, difficulties would be almost extinct, Insha Allah.
Also know that the is a reliable du`a for protection. Hazrat Abu Darda r.a. relied on the assurance of this du`a to deny anyone informing him that his house was burnt. Finally they found that the whole neighbourhood was burnt except Abu Darda`s house. Hazrat Abu Darda r.a. then said that his house cannot burn because the beloved prophet SAW taught him this du`a that he read in the morning:
To be read after Fajr and after Maghrib against all calamities:
أَللَّهُمَّ أَنْتَ رَبِّيْ لَا إِلَهَ إِلَّا أَنْتَ، عَلَيْكَ تَوَكَّلْتُ وَ أَنْتَ رَبُّ الْعَرْشِ الْكَرِيْمِ مَا شَاءَ اللَّهُ كَانَ وَ مَا لَمْ يَشَأْ لَمْ يَكُنْ، وَ لَا حَوْلَ وَ لَا قُوَّةَ إِلَّا بِاللّهِ الْعَلِيِّ الْعَظِيْمِ، أَعْلَمُ أَنَّ اللّهَ عَلَى كُلِّ شَيْءٍ قَدِيْرٌ، وَ أَنَّ اللّهَ قَدْ أَحَاطَ بِكُلِّ شَيْءٍ عِلْمًا، أَللّهُمَّ إِنِّيْ أَعُوْذُ بِكَ مِنْ شَرِّ نَفْسِيْ وَ مِنْ شَرِّ كُلِّ دَابَّةٍ أَنْتَ آخِذٌ بِنَاصِيَتِهَا، إِنَّ رَبِّيْ عَلَى صِرَاطٍ مُّسْتَقِيْمٍ.
بيهقي و حياة الصحابة
Allahoumma anta rabbi laa ilaaha illaa anta, ‘alaika tawakkaltou wa anta rabboul’arshil kareem, maa shaa Allahou kaan wa maa lam yasha’ lam yakoun, wa laa Hawla wa laa qouwwata illaa billaahil ‘aliyyil ‘azweem, a’alamou annal laaha ‘alaa koulli shai in qadeer, wa annal laaha qad aHaatwa bi koulli shai in ‘ilman. Allahoumma inni a’ouzou bika min sharri nafsi wa min sharri koulli daab batin anta aakhizoun binaaswiyatihaa, inna rabbi ‘alaa swiraatim moustaqeem. (Baihaqui)
O Allah ! You are my Rabb, there is no deity besides You. I put my trust in You and You are the Rabb of the noble Throne. Whatever Allah wishes, happens. And whatever He does not wish, will not happen. And there is no power or defense except Allah`s, the most High, the Greatest of all. I know that definitely Allah has power over everything and that Allah has encompassed everything in knowledge. O Allah, I ask You protection against the evils of my nafs, and against the evils of all living things, that You only have complete power over them. Definitely my Rabb is on the right path.(Baihaqi ;Hayatus Sahabah)
Note that the Arabic formula should be read with the conviction over its meaning.
*So vest in Sadaqahs and duas for the infallible insurance of Allah.*