“Gadget overload and the rise of complex road systems has meant that concentration is less and roads are trickier to read.  With an increase in cyclists, there is another major risk factor in play too.”

Zurich car insurance expert Phil Ost added: “While the rise of mobile technology has made it easier for us to communicate on the move, it’s also making our lives feel busier. Staying safe is far more important than staying in touch.

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