In its report the MIAB identified three main vested interests in the motor insurance sector which had contributed to the outlandish premiums being quoted and charged to young people. The first comprised those involved in the business to make a profit. The second included those involved in litigation, the cost of which increased compensation claims by 40% which could be directly attributed to those involved in the litigation process. It is clear, therefore, that the status quo was benefiting those involved in litigation significantly. The third was the Government which was receiving the 2% levy by way of stamp duty on premiums.