User-based insurance (also known as pay-as-you-go insurance), is a type of auto coverage that is based on the number of kilometres you drive, combined with technical stats such as how aggressively you drive. This is monitored by an app or a computer mounted to your engine. This can save money for good drivers who don't drive very far or as often. Not every insurance company provides this type of insurance, but you can always inquire as it might be more common now with more people working remotely and not commuting daily.