Pay as You Drive (PAYD) insurance doesn't quite work like that.
PAYD charges you a per kilometre rate while you drive, and therefore can reduce the overall cost of insurance for lower km drivers.
Don't forget that unfortunately there is still a lot that can go wrong even when your car is parked whether that's at home or somewhere else you've driven to. Your car can still suffer loss or damage from incidents like theft, fire, storm, hail, vandalism or just someone hitting your car in a car park. We charge a fixed cost to cover your car while it's parked, particularly for these reasons.