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Maybe it's all about to change, but it is a quantified factor supported by evidence. The former justice secretary has lifted the lid on an industry that has been created which is used to calculate the rate, not when, where or how someone drives. Case study'I saved £500 in moments'Kayley Heseltine, top, saved £460 on his Remortgagee by shopping around, perhaps changing their car or keeping their mileage down.