A closed form solution to the convective instability in a composite system of fluid and porous layers with vertical throughflow is presented. The boundaries are considered to be rigid-permeable and insulating to temperature perturbations. Flow in the porous layer is governed by Darcy–Forchheimer equation and the Beavers–Joseph condition is applied at the interface between the fluid and the porous layer. In contrast to the single-layer system, it is found that destabilization due to throughflow arises, and the ratio of fluid layer thickness to porous layer thickness, ζ, too, plays a crucial role in deciding the stability of the system depending on the Prandtl number.