As for Qunoot in Witr: https://www.youtube.com/watch?v=xQTy7_UaMF4   How to pray witr: https://www.facebook.com/SheikhAssimAlhakeemTeam/posts/525409500973378

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This is not permissible at all. Allah has hidden your past sins, therefore you cannot speak about them.

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You must first repent to Allah for leaving an obligatory fast without a valid reason, as this is a major sin. Then you have to make up the missed days. But if you had intercourse while breaking a day of Ramadan, this is a different story.

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Kindly refer to the following link(s): https://www.facebook.com/SheikhAssimAlhakeemTeam/posts/518146305033031

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If it is obligatory for you to take the insurance in the country where you are living, then yes, in this case it is permissible.   As for benefitting from the insurance: https://www.assimalhakeem.net/my-family-was-involved-in-a-motor-vehicle-accident-and-as-with-law-in-canada-i-order-to-drive-a-car-you-must-have-insurance-my-kids-were-bruised-up-my-ribs-and-chest-very-hurt-is-compensation-har

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