Furthermore, it is doubtful that the introduction of a legal Mib (similar to the approach of the act) in the United Kingdom is welcomed because of the need for cooperation. Since 1946, the United Kingdom has focused on cooperation between the insurance sector and the government. The repeal of the agreements and, therefore, the obligation to legislate on the mib could mean that the insurance industry has no goodwill. This applies not only to auto insurance, but also to other forms of insurance.131 In addition, this could mean that insurers try to find loopholes in each legal plan when asserting a right. This would also be a major challenge, given that after the transition period, EU legislation may not have a direct effect on filling some of the gaps in a legislative system. Of course, it is difficult to know whether, by removing the direct effect, insurers would seek in any case to find loopholes in non-legal agreements in the future. However, the introduction of a legislative Mib and the elimination of cooperation must be carefully considered, taking into account the effects. Although the author acknowledges that the law should not be developed solely taking into account the interests of insurance, and if a legal system were necessary, it would probably be contrary to those interests, it is alleged that this is not obvious here. The introduction of a new legislative mibs, while offering some benefits in terms of transparency, is not necessary to offer greater protection to third parties.
The DfT could push for greater protection without legal intervention.132 This article will therefore examine some of the key challenges associated with mib and the challenges that could be faced if it were established on a legal basis. It will first examine the context of the mib and its current state and provide an interesting indication of the challenges facing the mib. It will continue to discuss the relationship between the mib and its members, as well as with the state and Parliament. This will draw attention to the possible influences on the agreements and challenges of the mib that could be met by modifying these influences after the passage outside the EU.