Hi
clearly obscuring some of the view forward
That'll be a question of fact, that is, does it impair the view that a driver might need to use to drive safely. The bonnet of my car (even when closed

) impairs my vision, if my phone was superimposed within the bonnet outline then that won't impair my vision further. Stickers and tax discs (of days gone by) also fall into this category
Ministry / police roadside testers will prohibit lorries with a Christmas Tree on the dashboard for this reason, and in the UK there tends not to be a visible bonnet on a lorry
The app starts itself. Once the phone is switched on the app will autostart by detecting movement through the GPS. It doesn't need intervention and Aviva advise that you use the cradle and "never use your phone while driving". No ifs, buts and maybe if you use Bluetooth, "never"
Regards
tim-b
PS I don't work for any company associated with Aviva, although I do have a life policy with them
