Due to the nature of the IR35 tax legislation, Can I take out insurance cover?

Q: HMRC have made a law against disguised employees in (April 2000) who are operating under a Ltd company. This law is called IR35. The problem is no matter how safe you think you are if case goes to court its just simply your word against theirs. If you represent yourself you will mostly likely lose the […]

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If my wife isn’t working can I make National Insurance contributions on her behalf?

Q: Is it permissible to make voluntary National Insurance contributions for my wife who is not in work and will not be in work for the coming years?   الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: If your wife is unemployed and not receiving any benefits she can pay voluntary class 3 contributions.  See:https://www.gov.uk/voluntary-national-insurance-contributions/who-can-pay-voluntary-contributions  If your […]

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Is the CARE pension scheme offered by Network Rail permissible?

Q: I understand you have answered questions regarding CARE pension schemes and regard it as permissible. However the option (from Network rail) I have been given states that I contribute 7% of my pensionable salary to earn a unit of pension which is 1/60 of the salary. The company states that employee contributions cover 40% […]

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Can we take part into the Free Postcode Lottery?

Q: I came across the Free Postcode Lottery http://freepostcodelottery.com/ http://www.moneysavingexpert.com/deals/free-postcode-lottery#fpl and was wondering whether this is Halal to take part in? You don’t pay to enter and they are funded by advertising.   الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: The is no apparent prohibition in entering the Free Postcode Lottery.

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Is the new NHS pension scheme shariah compliant?

Q: The CARE (Career Average Revalued Earnings) is a type of defined benefit pension scheme. A defined benefit scheme guarantees a certain level of benefit at retirement, according to a fixed formula. In this respect it is similar to the current final salary sections of the NHS Pension Scheme. In a CARE scheme your pension is […]

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In the case of an insurance claim, can one include the value of the premiums paid for other cars?

Q: I understand that with car insurance claims, one should only recoup a sum equivalent to the total paid to a particular company to date, and any excess received beyond this sum be ‘repaid’ through future premiums to that same company. In both cases (historical payments and futures insurance cover), can one include the value […]

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Can I insure my business?

Q: I’m in the process of opening an Internet pharmacy and just needed clarification on which types of insurance would be permissible Employers liability. This is a legal requirement when employing staff and is to cover them in case of personal injury etc at work. If there was to be an incident then the potential […]

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Can I take a health insurance in the USA?

Note from Al Qalam: Due to the length of the query, there will be no benefit to reproduce it on here.The questionnaire (US citizen) has asked regarding the permissibility of taking a health insurance in his country as he is in a constant need of medical treatment. For an understanding of the situation, below is an example of the potential medical cost that one may face […]

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Paying someone to get results of fixed matches and then betting accordingly

Q: My spouse has been gambling for 3 years. Over these years the family has  been through hell. As a result of his gambling he has lost over half a million pounds. All his hard work has been wasted. He still has an  outstanding debt of 15 thousand pounds to pay. The family is just  surviving […]

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