Wow quite a hornets nest blown up here!!
I'm afraid I have no sympathy whatsoever with people who get caught for using mobile phones, subsequently get fined and then have their insurance premiums hiked up. As a biker, I dread meeting these idiots when I'm out. They have no true conscious awareness of anything that is going on around them. The result is very often a loud crash, a bike and rider all over the road blood everywhere and a complete pillock saying "where did you come from? I never saw you"
Quite frankly if you don't like the insurance company increases, don't be stupid and don't use your phone while driving. It's really not rocket science! At the end of the day you will be doing the world and yourself a favour.
Rant over
Tc