Pay As You Drive (PAYD) insurance plans allow motorists to pay insurance premiums based on car usage, resulting in fairer insurance premiums. Some PAYD insurance schemes use GPS technology and an on-board unit installed in the vehicle to capture how often, where and at what time the vehicle is driven so that insurers can calculate monthly usage-based premiums.

In the Pay As You Drive arena, Mapflow has worked with IBM and other leading vendors to provide insurers with expert analysis services and map-matching routines to benchmark and assess the integrity of journey calculations, which are critical in creating fair bills for road usage.