Travel agent changing hotels after a package is booked and paid for

Q: I have noticed a few travel agents advertising Umrah packages with such and such hotel, and the words "or similar", next to that. The price is then stated below.

In a recent incident, a package was booked for and paid for about 50 days prior to departure. At the time of booking, it was confirmed that the hotels stated on the advert were available. About ten days prior to departure, the agent sent out a travel voucher for a different hotel (this was supposedly one of the "similar hotels"). The reason given was that the hotel advertised initially was not available or fully booked. However, on arrival in Madinah Munawwarah, the agent then informed that the hotel was changed again.

In some cases, some travelers were told by the agent that they would be staying one night in a certain hotel and thereafter moving to another hotel for the rest of the stay. (This changing of hotels for one night has happened with more than one agent) None of these hotels were mentioned or spoken about before departure.

In another instance, after payment, the agent advised that the airline changed the flight and hence the 12 night package now became an 11 night package.

Is this type of advertising permissible? Is this type of transaction permissible?

Giving more mahr to the second wife

Q: In Islam, a man is allowed to get married to 4 women. If he wants to marry a girl when he already has his first wife, does he have to mention the same amount of mehar that he had given to his first wife or can he give his second wife more than what he gave the first wife as mehar.

If he wants to give his second wife more mehar than the first wife's mehar, is there any problem in that or should he maintain an equal amount of money for both?

Taking out insurance to get RMI accreditation

Q: I have a tyre repair shop. I want to get this RMI Accreditation for it. Its like a motoring board and carries weight in the vehicle repair and service industry.

One of the requirements in order to be accredited is that I must have a 3rd party insurance to the value of 500k. So if something happens to the customer's vehicle in the shop or a customer's vehicle gets stolen or damaged, etc. the insurance will cover the vehicle.

So the insurance won’t be for my business, it will only be 3rd party to cover the customers vehicles, etc.

Is it permissible to take out that insurance to get the accreditation or must I stay away from it completely.