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hippy
Yes, and even allowing for all the other factors, a tester doing an undiminished 35mph will do less damage than a 2500kg SUV (Range Rover Kerb Weight varies from 2454 to 2725 kg) which has automatic safety braked to 15mph before impact.
The issue is not really about the actuarial probability×damage, it's that it only has to happen once for CTT to become practically uninsurable.