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- Neil
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Like I said. I wouldn't stop leisure driving. Just increase insurance for it.
There's no requirement to drive at the speed limit. You drive to conditions. Which includes those you share the road with. The idea that you're being "held up" by cyclists comes from the arrogance that pre-exists in many drivers and leads them to think the roads are just for motor vehicles. Other than motorways, they're not.
Ever noticed when filling out insurance quote requests they ask what use you will be making of the car and how many miles a year you'd expect to be driving. Insurance premiums already take into account that. Whilst you claim there is no need to drive at the speed limit, there is also no need to drive at 10mph below the speed limit, that just causes unnecessary congestion and I'm glad I don't live anywhere where you feel motorists spend their time accelerating up to 30mph and having to brake again lowering their average speed down to near 20. The only time a 20mph speed limit is necessary is near schools as kids arrive in the morning and when they leave in the afternoon. Driving at 20mph will only lead to increased emissions anyway.