Interest and Gambling

Islamic profit share of an Islamic FNB cheque account

Q: I have a Islamic FNB cheque account that comes with an Islamic pocket savings account that gives me an Islamic profit share every month. 

1. Is this Islamic profit share halaal? 

2. I use this Islamic pocket savings account to store my money and to keep it safe, and every month I transfer what money I need for the month into my main account from it, so if anyone steals my card they can only steal that month's money and not all of my money, and this also helps me budget my money. If the profit share from this account is haram, do I have to close down my main account (the pocket savings account is tied to it), or must I not have any money in the pocket savings account and leave it empty, or can I just not use the Islamic profit share but keep all my money in the pocket savings account? 

3. If the Islamic profit share is haraam but I can keep the account but just not use the profit, can I use the profit share to pay taxes?

Opening a bank account in an Islamic bank and benefitting from their facilities online

Q: My question is regarding opening a bank account. I chose an Islamic Bank which had no offer if you open a bank account so it will not fall in riba. But some e-commerce sites associate with the bank and offer their card holders some offers like 10% discount. Now I see the bank I chose to open account in, most e commerce sites offer this to their card holders. If I open an account in this bank and the facility is available, will it be in the category of riba?

Body corporate allocating insurance for the home in monthly levies

Q: I have recently moved into a house which forms part of complex and is run by a body corporate. The house belongs to my wife in a Family Trust, however I pay the expenses to run the house. I have just recently found out that the monthly levies I pay includes a portion which is allocated to insurance for the home. I was unaware of this and thought that the home was uninsured. 

Please advise on what I should do ?