1. Loss of Licence Insurance was reintroduced recently again with a local insurance company, T&C apply, of course.
2. Expect an apartment, probably 2 or 3 bedroom. Only captains are eligible for villas. Quality of company accommodation varies and there is nothing you can do with that prior joining. Once you join, you may apply for a move out (takes years) or a change within company accommodations (T&C apply). Accommodation that is provided for newjoiners is generally acceptable, nowadays.
3. There is an app with a list of discounts that you are eligible for after showing your company ID.