Methods Using Speed Distribution Profiles
First Claim
1. A method of providing driver behaviour based insurance comprising:
- accessing a digital map having data indicative of a plurality of navigable segments, wherein the digital map further comprises data representative of a speed distribution profile for one or more positions along at least one of the navigable segments, the speed distribution profile for a position being indicative of the speed of multiple drivers at the position;
using the data representative of a speed distribution profile to set a recommended speed for vehicles travelling along the at least one navigable segment; and
monitoring the speed of a subscriber driver when travelling along the at least one navigable segment to obtain data regarding the speed of the driver relative to the recommended speed for at least one of the one or more positions, and using the relative speed data as an input to a model of a user based insurance system.
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Accused Products
Abstract
A method is disclosed of providing driver behaviour based insurance comprising accessing a digital map having data indicative of a plurality of navigable segments, wherein the digital map further comprises data representative of a speed distribution profile for one or more positions along at least one of the navigable segments, the speed distribution profile for a position being indicative of the speed of multiple drivers at the position. The data representative of a speed distribution profile is used to set a recommended speed for vehicles travelling along the at least one navigable segment. The speed of a subscriber driver is monitored when travelling along the at least one navigable segment to obtain data regarding the speed of the driver relative to the recommended speed for at least one of the one or more positions, and the relative speed data is used as an input to a model of a user based insurance system.
87 Citations
20 Claims
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1. A method of providing driver behaviour based insurance comprising:
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accessing a digital map having data indicative of a plurality of navigable segments, wherein the digital map further comprises data representative of a speed distribution profile for one or more positions along at least one of the navigable segments, the speed distribution profile for a position being indicative of the speed of multiple drivers at the position; using the data representative of a speed distribution profile to set a recommended speed for vehicles travelling along the at least one navigable segment; and monitoring the speed of a subscriber driver when travelling along the at least one navigable segment to obtain data regarding the speed of the driver relative to the recommended speed for at least one of the one or more positions, and using the relative speed data as an input to a model of a user based insurance system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer-readable medium which stores a set of instructions which when executed performs a method of providing driver behaviour based insurance, the method executed by the set of instructions comprising:
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accessing a digital map having data indicative of a plurality of navigable segments, wherein the digital map further comprises data representative of a speed distribution profile for one or more positions along at least one of the navigable segments, the speed distribution profile for a position being indicative of the speed of multiple drivers at the position; using the data representative of a speed distribution profile to set a recommended speed for vehicles travelling along the at least one navigable segment; and monitoring the speed of a subscriber driver when travelling along the at least one navigable segment to obtain data regarding the speed of the driver relative to the recommended speed for at least one of the one or more positions, and using the relative speed data as an input to a model of a user based insurance system. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A system for providing driver behaviour based insurance comprising:
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at least one memory storage; and at least one processing unit coupled to the at least one memory storage, wherein the at least one processing unit is operative to; accessing a digital map having data indicative of a plurality of navigable segments, wherein the digital map further comprises data representative of a speed distribution profile for one or more positions along at least one of the navigable segments, the speed distribution profile for a position being indicative of the speed of multiple drivers at the position; using the data representative of a speed distribution profile to set a recommended speed for vehicles travelling along the at least one navigable segment; and monitoring the speed of a subscriber driver when travelling along the at least one navigable segment to obtain data regarding the speed of the driver relative to the recommended speed for at least one of the one or more positions, and using the relative speed data as an input to a model of a user based insurance system. - View Dependent Claims (17, 18, 19, 20)
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Specification