Status of the marriage if one member is involved in constant zina

Q: I wanted to ask if there is a lady and she has a husband who has had an affair which she recently discovered was also physical in nature for 2 years or so with a married woman, is the nikaah nullified for the wife?

As this husband continues to commit adultery and simultaneously have relationship with the wife? If the marriage is not nullified, what dua should one make for reconciliation after such deceit?

Mandatory travel insurance on Hajj and Umrah packages

Q: Please can you advise on the verdict regarding travel insurance. We understand all forms of insurance are not permissible, however I did notice that on the Hajj and Umrah packages there is mandatory travel insurance. Please can you advise what is to be done in this situation?

On the same subject, is it permissible to hire a car? There is also an insurance clause in the fine print of the agreement that needs to be signed before hiring.

If there are alternatives to the above that Ulama and others use when going for hajj/umrah please also let me know what these are.