Is working as a broker between car insurance companies and young drivers, with the aim of recovering a portion of the insurance premium for drivers in the event of no accidents, considered forbidden (haram), or is it permissible (halal) given that it is merely a brokerage in a matter legally required in the United Kingdom and reduces the cost of insurance for people?

Commercial insurance, in all its forms, is prohibited because it is based on gharar (excessive uncertainty), gambling, and riba (usury/interest).

It states in "Fatawa al-Lajnah ad-Dāʾimah" (Fatwas of the Permanent Committee) that commercial insurance is haram for the following reasons: 1. It involves excessive gharar, as neither the insured nor the insurer can precisely determine what is given or taken. The Prophet (peace be upon him) forbade gharar sales. 2. It is a form of gambling due to its inclusion of risk and profit without an equivalent مقابل or with an inadequate مقابل, and it falls under the general prohibition of gambling (al-maysir). 3. It involves riba al-fadl (riba of surplus) and riba an-nasi'ah (riba of delay). The company paying the insured more than what he paid is riba al-fadl, and paying it after a period of time is riba an-nasi'ah.

However, if someone is compelled to undertake this insurance—such as car insurance—there is no sin upon them, and the sin falls on the one who compels them. It is not permissible to work as an agent to profit from this insurance, even if it eases the burden on young people, because it is not permissible to profit from a prohibited contract, especially if it involves riba. The Prophet (peace be upon him) cursed the one who consumes riba, the one who feeds it, its scribe, and its two witnesses, and they are all equal in sin.