GeoSure Insurance Product V7 2016.1

This dataset is the Derived Postcode Database issued as part of the GeoSure Insurance V7 incorporating postcode data from OS Code-Point Open version 2016.1. The GeoSure Insurance Product (including the Derived Postcode Database) represents the end of an interpretation process, starting with the BGS Digital Geological Map of Great Britain at the 1:50,000 scale (DiGMapGB-50). This digital map is the definitive record of the types of rocks underlying Great Britain (excluding the Isle of Man), as represented by various layers, starting with Bedrock and moving up to overlying Superficial layers. In 2003, the BGS also published a series of GIS digital maps identifying areas of potential natural ground movement hazard in Great Britain, called GeoSure. There are six separate hazards considered - shrink-swell clays, slope instability, dissolution of soluble ground, running sand, compressible and collapsible deposits. These maps were derived by combining the rock-type information from DiGMapGB-50 with a series of other influencing factors which may cause the geological hazards (e.g. steep slopes, groundwater). In 2005, the BGS used the GeoSure maps to make an interpretation of subsidence insurance risk for Great Britain property insurance industry, released as the new GeoSure Insurance Product. This represents the combined effects of the 6 GeoSure hazards on (low-rise) buildings in a postcode database - the Derived Postcode Database, which can be accompanied by GIS maps showing the most significant hazard areas. The combined hazard is represented numerically in the Derived Postcode Database as the Total Hazard Score, with a breakdown into the component hazards. The GeoSure Derived Postcode Database (DPD) is a stand-alone database, which can be provided separately to the full GeoSure Insurance Product V7. The methodology behind the DPD involves balancing the 6 GeoSure natural ground stability hazards against each other. The GeoSure maps themselves have a fivefold coding (A to E), and the balancing exercise involves comparing each level across the six hazards e.g. comparing a level C shrink-swell clay area with a level C running sand area. The comparison is done by a process involving expert analysis and statistical interpretations to estimate the potential damage to a property (specifically low-rise buildings only). Each level of each of the hazards is given a 'hazard score' which can then be added together to derive a Total Hazard Score at a particular location (e.g. within a given postcode).

本数据集为GeoSure保险V7版本中发布的派生邮编数据库，该数据库整合了OS Code-Point Open版本2016.1的邮编数据。GeoSure保险产品（包括派生邮编数据库）标志着从英国地质调查局（BGS）编制的1:50,000比例尺的英国数字地质图（DiGMapGB-50）开始的解读过程的终结。该数字地图是记录大不列颠（不包括马恩岛）地下岩石类型的权威资料，通过多个层次展现，自基岩层向上至表层覆盖层。2003年，BGS还发布了一系列地理信息系统（GIS）数字地图，用于识别大不列颠的自然地面运动潜在危险区域，称为GeoSure。考虑了六种独立危险因素——收缩膨胀粘土、边坡不稳定、可溶性地层的溶解、流动沙、可压缩和易塌陷沉积物。这些地图通过结合DiGMapGB-50中的岩石类型信息与其他可能引发地质危险的诸多影响因素（例如陡峭的边坡、地下水）而生成。2005年，BGS利用GeoSure地图对大不列颠财产保险行业中的沉降保险风险进行了解读，并发布了新的GeoSure保险产品。这代表了对（低层）建筑在邮编数据库中的六种GeoSure危险因素的综合性影响——即派生邮编数据库，可附带显示最显著危险区域的GIS地图。在派生邮编数据库中，综合危险因素以总危险分数的形式进行数值表示，并细分为各个组成部分。GeoSure派生邮编数据库（DPD）是一个独立的数据库，可以与完整的GeoSure保险产品V7分开提供。DPD背后的方法论涉及在六种GeoSure自然地面稳定性危险因素之间进行权衡。GeoSure地图本身具有五级编码（A至E），权衡过程包括比较六个危险因素中的每个级别，例如比较收缩膨胀粘土区域与流动沙区域的C级。比较过程通过专家分析和统计分析来进行，以估算财产（尤其是仅限于低层建筑）的潜在损害。每个危险因素的每个级别都被赋予一个‘危险分数’，然后可以累加以推导出特定位置的‘总危险分数’（例如，在特定邮编区域内）。