Franchise charging insurance to their customers

Q: We have a tyre business which is a Dunlop franchise, they have this tyre insurance for the customers. Any damage to the tyre and they send a replacement after doing their tests. They charge us R10 per tyre for this which I pass onto the customer.

I add it to the cost and then add my markup. I tried getting out of this but it’s compulsory from their side.

How should I handle this… Is it permissible?

Should I add my markup first then the R10. Because my intention is not to make money on the insurance…

Women's dressing at home

Q: I wanted to ask a question regarding the dressing of women in their own homes. In my house we have our own gym area where me, my mother, and sisters exercise. While exercising they usually wear shorts that go till the knees and a low cut tank top that shows their cleavage. Their nipples are sometimes also visible sometimes. Is this allowed Islamically if there is no fear of fitnah?

Giving damm due to being unable to perform umrah after going into ihraam

Q: I went from my home in Jeddah for Umrah with the niyat after performing 2 rakaat nafil. At the checkpost I was stopped and the government didn’t let us do Umrah regardless of permit saying the state has issued new orders post magrib.

Now we came home back to Jeddah, trimed my hair and took off Ihram. I have lived the whole day today normally and even cut my nails.

Do we have to give Dam? We were forced to not perform our Umrah so it was the state rule and we had no way. We can’t give Dam in Makkah as they are only allowing Hajjis and this means we cannot visit Makkah before 50 days now and perform our Umrah. We cannot live in the state of Ihram for that long. Please guide.

Not feeling the connection when making dua at the time of tahajjud

Q: Tonight I got up to pray tahajjud and when I started praying it felt like a tahajjud prayer though when I went into Sajda, I didn't feel the connection I thought I would, like I went to Allah in taha while crying and when I started praying all my tears were gone, I wasn't able to cry in my sujood. Does this mean I didn't pray it right?

As I checked that I did my wudu right and covered up my self right though still I feel something was missing.

Adding to that, I'm one day away from my periods and I also thought that the crying part was just from my mood swings which are a symptom of our period coming, because when I stood on the prayer mat all the tears went away.

Moreover, I had weird thoughts during the prayer like I wasn't praying right and had alot of skulls appearing in my thoughts (jinn like thoughts). Please share if there is a problem in this or am I just overthinking?