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@spindrift
Insurers are claiming a CU80 conviction may bump premiums by 20% but that's unlikely, more like 10% or something. But, with the law rampantly ignored it makes you realise how insurers have had their customer's true risk concealed. So those drivers are asking a company to underwrite their risk, then the driver is voluntarily distracting themselves to the same degree as being over the limit and the insurer never finds out.