IslamQA.org Logo

Random Q&A

insurance

Hanafi Fiqh

Liability insurance

Selamun aleykum,

My non muslim parents who are also the renters of my appartement, want me to make a liability insurance, so in case I danage something I will be able to pay the costs for it. I only have little earning since I’m a trainee and wouldnt be able to pay the costs myself, if I may damage sth., without insurance. Will it be permissible for me in this case? I told my parents that this is against my religion but they say that it is to risky to not have one and that normaly if they rented the appartement to a stranger they would have asked him to have one as a condition too.

Hanafi Fiqh

Working in a data centre

Hello dear Scholars of islam

i have an urgent question about my situation

i am currently working as an IT technician. my duties consist of working in a data center.
A data center or data center is a building, a dedicated space within a building, or a group of buildings used
to house computer systems and associated components, such as telecommunications and storage systems, servers etc..
We mainly do small jobs like changing power supply units or installing and removing servers or wiring and unwiring.
Also small troubleshooting.

we work for different customers. Our company serves mainly 3 customers.
1 customer is a company where they rent their data centers to other customers.
2 customer is a manufacturer of electrical equipment and helps with the production of trains.
3 customer is a bank where we mainly do cabling and decabling.

customer 3
it is allowed to work at a bank if you mainly do wiring and unwiring. I have read some fatwas that say it is allowed to work
as a security guard, cleaner or in a call center.
Above all, I do unwiring. Unwiring is nothing more than cleaning up, like a cleaner would do.
Because these cables are no longer needed and are just lying around.
Cabling is connecting new devices with the necessary cables so that you can improve or expand your systems with which you can, for example
, to run interest transactions.
the cables taken out can be checked but i don’t do that otherwise i would equip them with cables again
is it allowed to work for this customer ?

customer 1
This is a company that rents out their datacenter. Their customers can also be banks or insurance companies. Me and my boss
do not know who their customers are. Can I work there or not? At this customer we do all the work I mentioned above.

customer 2
Is a manufacturer of electrical equipment and helps in the production of trains. They do not rent their datacenter. This data center is theirs.
I think it is the best place for me to work. At this customer we also do all the work I mentioned above.

I have read some fatwas. One says it is completely forbidden to work in a bank, even if you work for a company that has a bank as a client
and you should quit. Another says if you work as a cleaner or security guard or in a call center it is allowed,
because you are not directly involved with sin. Another says that you should not quit directly but first look for a new job. I work,
because my family needs financial support. We could live without my contribution, but it would be harder to pay all these bills.

I also talked to my boss about this issue and he can’t guarantee me that I can only work for the manufacturer of electrical equipment.
there can be emergencies or we have too little staff in the other projects. is it bad if I try to work all the time in the manufacturer of electrical equipment
but go to the other 2 customers only in case of urgencies or on the order of the boss,
if that would happen ?

Besides there are on-call services (24 hours a day) for the manufacturer of electrical equipment and the company that rents out its data center.
I would have to do this as well.would this be allowed ?

I see only 4 possibilities

– either I force my boss to make me work only at the manufacturer of electrical equipment and not to be on-call services (24 hours a day)
and not to be present in any emergencies in the other projects.
– I try to work as much as possible at the manufacturer of electrical equipment if possible
– I quit immediately
– I will work at this company until I find a new job.

if there are other possibilities I would be open to hear them.

I have been working at the bank for about the last 6 months unwiring and rewiring.is the money that i made haram.
I just had a bad feeling that I could get interest money. Then I read a fatwa
saying that if a company gets interest money it is allowed for a worker. I thought that you are not allowed to work for a bank directly.
(employed), but my case was that I was working for another company that was servicing a client, which unfortunately is a bank.
In addition, I never thought about whether it was forbidden to work at a bank.

and what about the money I earn now or will make in the future is that also Haram, as long as I do not work at the manufacturer of electrical equipment. and
if my boss forces me to work for the other customers. He did not guarantee that I will always work for the manufacturer of electrical equipment.
if I quit, I may get a notice period and have to work for another month.
My boss could force me to work this month at the bank or at the customer who rents his data center.
rents. What is the best thing to do.

I have also set aside some of this money. Is this money also haram. and I bought some things with this money is this also haram.
What should I do with this money or property.

If there are any questions you can write me on my email address. It is important to me that I get an answer as soon as possible.
because if this job is haram i will leave it.

my english is not so good so i would appreciate if you can explain it as simple as possible. Also feel free to give a long and
detailed answer with all the proofs. I would be glad if you can make a small summary at the end in this case.

Jazak Allah (s.w.t)

Hanafi Fiqh

CAR LEASING

Aw. Respected mufti sb are you aware of any car financing/leasing that is Shariah compliant within the UK? Jzk. Look forward to hearing from you soon.

Hanafi Fiqh

Work health plan

Assalamualaikum,
My work place provides me with health insurance from a third party. It is free for me but other family members can be added with an extra monthly cost. Would it be permissible for me to add others to this health insurance?

Hanafi Fiqh

Life endowment insurance

Assalamu aleykum wa rahmetullahi wa beraketuhu.
The question is: let’s consider a person has a monthly gross salary of 1000 USD, and after deducting all mandatory government payments, he receives a monthly net salary of 750 USD. Now the government adopted a decree that allows a person to sign a life endowment contract with an insurance company that means a person agrees that every month 50% of his monthly gross salary (500 usd) will be transfered to the account of that insurance for the period of 36 months and only after 36 months is over, the insurance company pays back the total amount of the money collected in the account to that person (500 x 36 =18000 Usd). But the person cannot use that money for 36 months and during this period what the insurance company is doing with that money we do not know, Allahu Aleem. In addition, the insurance company pays additional 2% of the total amount at the end of 36 month period as a bonus (18000 + 2% = 18360.) but the person may refuse to take that 2% bonus if he does not want it, most people do not take that bonus becuase it is riba thus haram. If a person decides to stop the insurance contract before 36 months period end, let’s say a person paid 50% of his gross salary to the insurance company for 28 months then he wants to stop it) then all the government mandatory payment is deducted and the rest of the amount is given back to the person.
Is this type of insurance halal or haram from Shariah perspective?
Wassalamu aleykum.

Hanafi Fiqh

Car insurance scenarios

Assalamalaykum brother I was wondering if you can give me some advice on something?
I bought a car and need to put insurance on it, if I pay monthly the yearly total comes upto £800 but if I pay it off fully in one go it’s about £650, is it haram/riba to pay monthly?
Also can I take out comprehensive insurance as this allows me to drive multiple vehicles