If the RFL was included in the fuel cost, how long would it be before some cash-strapped chancellor thought "I bet I could tax each vehicle. I could call it a road fund licence" ? I would give it a one change of chancellor.
I cannot help but wonder at just what the costs of insurance would be based on. If you shop around for third party, and give yourself a few alter egos, you will get a huge difference between quotes. If you do not habitually get on the wrong end of claims, you are going to be lumped in with those who do, and charged accordingly with a common scheme. I dont think it matters which lot are in - whoever you vote for, you still wind up with the government, and they are not going to shop around for value, they are going to collect revenue, and as much as they can.