Interest and Gambling

Q: The situation is as follows:

A person crashed a car of the owner by hitting a railing. The owners insurance was cancelled. The person drove off as no police report was needed. The owner of the car is saying you can either pay $1000 for the car and keep it or pay for the damages because the person is not able to get it renewed with his insurance. The owner had been paying $200 a month for it for about 4-5 years. The person is buying the car from the owner and taking it to another city. In the other city he will get the car safetied in its current condition and get insurance on it. He will then claim the car so that insurance can pay for the damage to fix the car. All the while he will be paying $150-200 for the car monthly in insurance. Is this correct for someone to do or is it haraam for someone to do that? One other point is he can pay insurance the full yearly amount upfront which is around $2400, and he may get 2-3 grand back for the car which they may treat as a write off.

Q: When we take a car on loan from a bank and we pay extra money which is above the car price, is it permissible?

Q: I got a NRI bank account which is a savings account and every quarterly I receive some interest from the bank. Is it permissible for me to use this interest amount in purchasing car insurance or any other insurance like medical, home insurance, etc.?

Q: I did this survey online and got 5000 points. It can be converted into £50 cash but I took one point and joined a survey and if I win it, I can get £2000 or other prizes. Is it halaal?

Q: Is it haraam or sood/interest to receive free Telenor minutes and MBs by keeping more than one thousand rupees in Telenor Easypisa account and doing at least one transaction from the Easypisa app account in a month? Telenor gives 50 net minutes and internet MBs to such customers. 

Q: I did a survey and got 50 points and I took 1 point to join a competition. So if I win I will get prize, is that halaal? Many will participate but only few will be winners and the losers will get nothing.

Q: Can you please explain to me in simple words what is Riba?

Q: Many Muslim organisations have fundraising dinners. The people attending these dinners pay a fee e.g. R300 per person. The names of all the attendees are entered into a draw. After enjoying the dinner, the names are drawn, and the winners of the draw are given prizes e.g. umrah ticket, etc. Is this permissible?

Q: I am trying my best not to apply for a student loan but keeping up with my payments has become so difficult and it has come to a point where sometimes we don’t have food to eat because a big chunk is going out for university payments. I need to finish my degree for my kids future.

Can I take out a student loan involving interest but pay it back ASAP? Please advice as our situation is taking a toll on my health.

Q: Are we as transporters permitted to take insurance to cover goods in transit?