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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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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What is the ruling regarding healthcare insurance offered by an employer?

Q: I recently accepted a job offer. With the contract papers, there was a form advising that the company could opt me in to private healthcare insurance. It would be free to opt in and benefit from it as it would be classed as a company benefit. However, as it is a company benefit, my […]

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Are “Income protection policies” & “Critical illness cover” permissible in Islam?

Q: Can you please confirm “Income protection policies” & “Critical illness cover” insurance policies are both haraam? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب   A: Income protection policies and critical illness cover are types of conventional insurance that suffer from the prohibitions of riba, qimar and gharar and are thus impermissible.

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Is it permissible to work as a PPI case handler?

Q: Is it permissible to work as a case handler?  This role involves the cradle to grave resolution of customer complaints relating to payment protection insurance (PPI). I will be in contact with the customer throughout the process and will be responsible for the full investigation of their case. الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب […]

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Is the Takaful model the government wants to introduce for funding university tuition permissible?

Q. Please can you advise as to the shariah permissibility of the Takaful model the government wishes to introduce as alternative finance for funding university tuition fees? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A. The tentative opinion of Al-Qalam Panel is that an amended version of the Takāful model proposed in the BIS consultation […]

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How can I make up for being dishonest with insurance companies?

Q: I have been dishonest when it comes to car insurance for e.g. by claiming on someone else’s, falsifying mileage and driving without insurance. How can I rectify these mistakes? I used my dad’s break down cover on my car which covers, the cover holder on multiple cars, with my dad’s permission, to get my […]

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Is it allowed to take out mandatory travel insurance in order to be able to volunteer in a charity abroad?

Q: I have signed up to volunteer for a charity working abroad but have found out that I will be required to take out Travel Insurance. Is it permissible for me to get travel insurance cover or should I opt for volunteering somewhere else where this will not be a requirement?     الجواب حامدا […]

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