Insurance - can they put my price up over the phone?

[C.A.R.]

From what I understand they are fairly lenient with it but I have my own theory that I'd consider testing if it wasn't being monitored constantly etc.

When you have a 30 limit for example, can guarantee that at least 70% of the other road users won't actually be doing 30, more like 34-36 so to go with the flow of the traffic and not cause what could be seen by other users as an 'obstruction' surely matching that speed is better and arguably safer than trying to keep the needle bang on 30?

I wouldn't class this as reckless or dangerous driving because its not as if you're flying everywhere at twice the limit, more like keeping the flow moving and behaving in a similar manner to other motorists but not taking it to the extreme?

My uncle (who taught me to drive for the 6 months before I did a few lessons and my test) always said that there's learning to drive for the test, and then after that is when you really start learning, I'm sure most of you older more experienced drivers will agree

Reading that gives the impression that you're leaning towards bad habits already. If plod pulls you over for going 36 in a 30 and you're excuse is "cos everyone else was" that doesn't make it right. You should never be harassed into speeding or feel guilty for delaying those who want to speed. Tis their license to lose.

Sounds shitty but its true; you need to remain responsible for your own driving, since it is you behind the wheel making decisions.