Interest and Gambling

Q: Scenario:

I met up in an accident some time ago. The back bumper and other parts were damaged. I then met up in a second accident and, the car was damaged at the same place before I got it fixed. The person with the second accident has insurance.

So will it be permissible for me to claim the complete cost of it and not tell them that the car was in an accident before. If I do tell them that the car was in an accident before, the insurance company will not pay anything for the damaged.

Will it be permissible for me not to tell them and claim the entire amount from them?

Q: If someone gets a mortgage for a house and then does taubah, he still benefits by keeping the property and also being forgiven.

How is this fair compared to someone who avoids doing so?

Q: Based on the Sharee solution at the end of this answer: https://muftionline.co.za/node/30854 , if the money is paid to the hospital or doctor directly monthly, and after one or two months, a service needs to be rendered that exceeds the amount the customer/patient has paid the doctor or hospital to-date, will that also be regarded as interest, or will it be acceptable due to it being a service received and not money?

Q: The bank that I use sometimes gives out vouchers for completing certain tasks such as a quiz or swiping your card a certain amount of times etc. Is it permissible to use these vouchers?

Q: I wish to enquire regarding a new type of insurance called Takaaful. Is this new type of insurance permissible in Islam? Does Islam allow one to insure his house or car etc.?

I was always under the impression that all types of insurance are haraam.  However, I have been told that Takaaful insurance is quite different to conventional insurance as it is a waqf that one is investing in and by taking out this type of insurance, one will perpetually be gaining reward.

Q: I want to take an interest loan from a bank through a friend since the bank would only be willing to lend it to my friend and not myself because of my poor credit history. Is it allowed? What is the punishment and is the sin on both of us or only me? Am I also involving my friend in a sin?

Q: If a person pays for airplane tickets with a credit card then certain banks offer free travel insurance due to the payment being made with their credit card. Will it be permissible to use this insurance?

Q: A person shipped an item with a courier, only paying for the courier service without any additional insurance fees. The courier company does however provide insurance for lost or damaged parcels as part of their service.

A parcel was lost and the courier company offered to pay out the value of the item, subject to one filling out a claim form. Will it be permissible to make this claim and recieve the payment of the value of the lost item?

Q: If a person, who in ignorance, took out an interest loan, thereafter realized his sin, made sincere taubah and made a promise to Allah never to take such loans again. However he still has the debt/loan to pay off and he doesn't have the full amount to settle it. Now going forward, does he still fall under the curse of Nabi (salallahu alayhi wa sallam), as he still has to pay off the loan and he will still be paying interest? Please advise whats the way to correct the situation.

Q: Is it permissible to open an interest-bearing bank account with the only intention of donating the accrued interest to a non-Muslim cat feeding organisation?