There were at least 2 insurance co panies that took a dim view of getting done for being on the phone and would refuse to insure you. Their view was that it was worse than being done for going through a red light as you cannot justify using the phone while driving. Not sure who they were but I'm sure someone will find out, 3 points for getting done by a speed camera is nothing nowadays though which is what most people thunk 3 points on your license means.