International speed limit data for PAYD and PHYD insurance telematics

Two British 40 miles per hour signs.

Legal speed limits are now available for road networks that include detailed street data such as minor roads in housing estates and industrial areas. The information is available as part of the HERE mapping product range from allmapdata.

HERE vector road mapping is used widely in business intelligence (BI), insurance telematics, transport and logistics, geomarketing and geographic information systems (GIS) for activities such as delivery planning, network modelling and catchment analysis.

Allmapdata from Mapmechanics specialises in supplying and configuring data for use in specific business applications.  In HERE data, roads are designated by one of five categories according to their importance. In the past, speed limit data was available from allmapdata for major roads (HERE Data Speed Limits) or for major and minor roads (HERE Data Speed Limits Pro), but not for very detailed streets such as access roads, avenues and closes within housing estates (HERE classifies these roads as level 5 roads).

The data is being enhanced all the time, and now legal speed limits for level 5 roads are available in the Speed Limits Pro product for many countries, including the UK, France and Germany. As a result, analysis and planning can be performed with more precision and confidence.

Of particular interest to the insurance telematics industry, this data can be used to analyse driver behaviour in the context of legal speed limits on specific roads. This data contributes to insurance risk assessment and can be used in calculations for PAYD (pay as you drive) and PHYD (pay how you drive) insurance models.

Speed limits are given in kilometres per hour and time periods are referenced to local time zones.

The speed limits are also categorised as conditional (school, weather, time and seasonal restraints and lane dependent) or unconditional (fixed or variable road speed limits)