Should one opt for third party or fully comprehensive insurance cover if third party is more expensive as is the case in many situations?

Q: Should one opt for third party or fully comprehensive insurance cover if third party is more expensive as is the case in many situations?   الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب   A: You should opt for the cheapest quote irrespective of the level of cover as the purpose is to fulfill a […]

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Can a pharmacist take out extra insurance due to extreme circumstances?

Q: Can a pharmacist take out extra insurance due to extreme circumstances? I know that insurance is only permissible in extreme cases. Would it be permissible for a Pharmacist to take out insurance which will protect her in case she was to get sued by a customer? The insurance is not necessary but if someone […]

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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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Is it permissible to take out warranties on car repairs?

  Q: Is it permissible to take out warranties on car repairs and parts, and to what extent? There is a scheme available, for £100 a year, where if any problems with the car, the policy covers both labour and parts.   الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب   A: Such warranties are a form […]

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What is the ruling on the permissibility of conventional travel insurance products?

Q: What is the ruling on the permissibility of conventional travel insurance products?   My particular concern focuses on the potential for significant medical expenses incurred outside your country of residence, where such facilities are unlikely to be free for non-residents. Are there any halal/takaful travel insurance products available? الجواب حامدًا و مصليًا و منه […]

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Can I use breakdown cover when I am not in the car? What should I do if I have already done this?

Q: Can I use breakdown cover when I am not in the car? What should I do if I have already done this? I have a car break down cover for myself, which allows me to drive any car or be a passenger and call upon the breakdown cover. If I wanted to use it […]

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Is it permissible for my mother to use my father’s life insurance payout?

Q: Is it permissible for my mother to be using my father’s life insurance payout and keeping it? My father took out life insurance in 1987. He did not know it was haram. I think on the policy it says 60% equity and 40 % property. I am not sure how much my father payed […]

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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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