You pay for the flying that you don't do !
I see a web site above that requires a standing order payment for a dry rate on the aircraft, by the time that you have put the fuel in the aircraft the rate is IRO £134/ hour.
I could at one time offer a slightly older PA-28 £40/hour cheaper than that but did pilots beat a path to my door............. No most PPL's are just a living in a dream world and talk endlesly about the flying that they are going to do but never do it.
I need 300 hours a year to be able to offer a PA28 Archer for IRO £98/hour wet but even at that price I can't get the 300 hours a year so the £8.80/hour insurance cost will have to be spread over less flying hours as will the parking and annual maintenance costs.
The sad fact is that if PPL,s would stop romancing about flying and get out and fly more the price woud come down, at the moment most of you are paying for the flying that you are not doing