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?