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. 

Husband taking a Christian as a second wife and ill-treating the first wife

Q:

1. My husband married a Christiam girl who didn't convert to Islam. Is the nikaah valid?

2. He stays 1 night only with us and its affecting my children now. Is this permissible? He treats me, as a first wife, very badly. He talks rudely to me and is always angry with me. His 2nd family is always treated well.