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Sorry, I meant to say speedos always read more than your actual speed. In my defence I'd been on the sauce.

I've never heard of 10% (or 10%+3mph) as anything but apocryphal. Remember, it's a limit, not a target. Speedos are allowed to read under, but not over, so if you check it with a GPS, you will see that an indicated 70mph on your speedo is actually about 66/67.