Fatwa: # 34598
Category: Business Matters
Country: United Kingdom
Date: 18th March 2019

Title

Working in an insurance company

Question

Assalamu Alaikum Wa Rahamatullahi Wa Barakaataho, My question sheikh is that I am Commercial Motor Claims Handler for an Insurance company, My daily duties inculde

n Handle Motor Accidents, Fire & Thefts from cradle to grave.

n Provide customer service to clients and brokers.

n Inquire with underwriters in relation to discrepancies with claim/policies.

n Dedicated handler with key clients.

n Obtain CCTV footage, police reports, images, claim forms, diagram & descriptions, witness statements etc.

n Complaint handling.

n Credit Control checks

n Liaise with finance companies (lease or hire purchase) to request finance agreements and settlement figures.

n Instruct recovery agents to collect unroadworthy vehicles.

n Instruct network garages to repair damaged vehicles.

n Handle Total loss cases (Add on MIAFTR database, Experian checks)

n Issue payments (BACS, Cheques & CHAPS)

n Monitor hire via ARMS database (Enterprise-Rent-A-Car UK).

I work in the claims department of an insurance company, I do not sell the insurance, promote it etc, My job is specific in handling only the motor claims, I have been applying for jobs constantly for the last 2 months as I feel my imcome is not halal, can you advise me if my feelings are correct


Baraakallahu feek

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

We commend you for your sensitivity on earning halaal and abstaining from haraam. It is this attitude that brings Barakah (blessings) in one’s earnings.

Nabi (ﷺ) said:

طَلَبُ كَسْبِ الْحَلَالِ فَرِيضَةٌ بَعْدَ الْفَرِيضَةِ

Translation: Earning of Halal income is an obligation beyond other obligations.

(Shuabul Imaan, Baihaqi)

It is not permissible to work as a Commercial Motor Claims Handler for the insurance company, as this would entail assisting in insurance activities. [1]

Allah Taa’la says:

وَلَا تَعَاوَنُوا عَلَى الْإِثْمِ 

Translation: “And do not assist one another in sin”

(Surah Al-Maaidha, Aayah 2)

If you do not have another source of income then, you may continue your employment and make taubah while searching for an alternative job.

We make dua Allah opens His doors of sustenance for you and provide you with all your requirements in a halal manner.  Aameen.

 

And Allah Ta’āla Knows Best

 

Muhammad I.V Patel

Student Darul Iftaa
Lusaka, Zambia

 

Checked and Approved by,
Mufti Ebrahim Desai.

 


الدر المختار وحاشية ابن عابدين (رد المحتار) (6/ 360) [1]

لما فيه من الإعانة على ما لا يجوز وكل ما أدى إلى ما لا يجوز لا يجوز وتمامه في شرح الوهبانية

 

المبسوط للسرخسي (16/ 38)

وَالِاسْتِئْجَارُ عَلَى الْمَعْصِيَةِ لَا تَجُوزُ

 

الهداية في شرح بداية المبتدي (3/ 238)

قال: "ولا يجوز الاستئجار على الغناء والنوح، وكذا سائر الملاهي"؛ لأنه استئجار على المعصية والمعصية لا تستحق بالعقد

 

کتاب النو ازل جلد12  صفحہ290

ویب سایٹ پر اشتہار کلک کرنے کی اجرت لینا:

اگر شرط کے مطابق یہ معاملہ نا جائز باتوں سے متعلق ہو.....تو گناہ پر تعاون کی وجہ سے یہ عمل جائز نہ ہو گا

صفحہ 490

لائف انشورنس کی ممبر سازی کی اجرت

 

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