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I would suggest if you can afford it get the INS in your own name. I drove my mum's occasionally in the first year of driving and was on her INS ans therefore built up no NCB then got my own car and had to get my own policy with no NC :(
Just get a cheap PAYG phone until the new iPhone comes out? The tarif will be rather expensive though! (as i found out :() I wouldn't get a HTC though as the only person I knew with one hated it.
Looked better when you first got it IMO, you should have cc'd the trim instead of doing it gloss black it would have looked much smarter. But each to their own and all that. Happy driving.
Just take the car to be repaired and then take them to pay the bill. Although I ended up going through INS when I damaged someone elses car as they wanted £1000 and no way was the damage that much!