The regulations cover a myriad of issues--from "guaranteed" coverage for all applicants (regardless of health condition) to pooling micro-businesses with individuals in order to reduce costs. (One caveat on "guaranteed" coverage: It comes at a price, and with few plan options.) Understanding these rules will help you navigate your policy options later on.

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"Those of us who have taken financial risk did so with an understanding of certain rules that were in place and did our financing on that basis, " he says.

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Indeed, Professor Stephen Glaister, director of motorists' advocacy group the RAC Foundation, suggests much of the hostility on the roads stems from a lack of understanding and suggests levelling out the legislation would reassure drivers that the rules were being applied fairly.

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