i agree that its another way of making extra £ out of motorists which fucking annoys me,if its not this it will be something else though.
on the flip side though,i do 30-40k miles a year and spend a lot of that on the phone (handsfree) BUT even on handsfree if i get into a conversation for a bit then come off the phone and think back over say the last 20 miles i cant remember fuck all of what ive passed or the junctions etc,lost count of the amount of times ive missed my junction on the mway coz im too busy blethering. i think you definately lose concentration. people without handsfree are defo a hazard tho,you see them all over the road and crawling along at 20mph!
next time you're on the phone,when you come off it think back over your journey,you'll get a shock at how much you cant remember!!