I'm 17 too, I think Insurance companys are a bit funny about monthly payments are they not?
Don't get me wrong I see no valid reason why they should be, the way I see it is if you don't pay a month then they cancel your policy but I think you have to be atleast 18 to take out a credit agreement, but I may be wrong.
I use the Bank of Dad. Meaning he brought the policy outright and I pay him back monthly - No intrest (Well if he thinks he's getting any he's got another think coming lol) Plus I have my own policy which is the way forward.
And yeah mate, no ones having a dig but if you take a bit of extra time to use full sentences you generally get a better response, I've never got into all this txt speak malarkey it's a bad habbit to get into if your going to be typing essays and such as I'd imagine the habbit of using txt tends to stick.