Is line rental saver worth it? Should I pay for a year upfront?

Woman with money

Question

My broadband provider lets me pay for a whole year’s worth of line rental upfront, right now. Should I go for it? Is this a good deal?

Bob T, via email

Our expert Kim says...

Probably, yes.

The option to pay a whole year's worth of line rental upfront - often known as 'line rental saver' - is offered by quite a few broadband providers. It means you pay a lump sum when you sign up, then get significantly lower bills each month.  

A tiny handful of providers even let you pay for a whole year of broadband itself upfront. That includes TenTel - see all their packages here

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£249.00 Total first year cost £227.88 Total first year cost £226.00 Total first year cost £407.87 Total first year cost £258.83 Total first year cost £228.00 Total first year cost
£20.00 p/m for 12 months £9.00 setup costs 12 month contract £18.99 p/m for 12 months 12 month contract £18.00 p/m for 18 months £10.00 setup costs 18 month contract £28.99 p/m for 12 months £59.99 setup costs 12 month contract £20.99 p/m for 18 months £6.95 setup costs 18 month contract £19.00 p/m for 12 months 12 month contract
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Go
Call TalkTalk on 0800 049 7843
Mon to Thurs 8am-10pmFri to Sun 8am-9pm
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Call Sky on 0800 151 2878
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Call TenTel on 08001701252
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So to answer your question… is it worth it? Let's take a look at the pros and cons.

Pros:

  • It cuts your monthly bills down by quite a lot, or gets rid of them entirely in TenTel's case.
  • Paying upfront usually comes with an extra discount - BT cuts your total by 10%, for instance.
  • You'll be immune from any price increases on line rental for the year. (Though not from rises on broadband or other services you add, like TV.)

Cons:

  • It's a lot to pay all in one go - especially if it includes broadband.
  • If you move out or switch providers before the year is up, you may be out of pocket.
  • It's non-refundable, apart from in special circumstances. Once you've decided to pay upfront, you can't go back to monthly payments until the year is up.
Landline phone

Conclusion

Money-wise, yes, paying for a year's worth of services upfront is totally worth it. You'll likely get a discount, and it lets you skip any price increases for another year.

So long as you can afford to pay it right now, and if you're certain you'll be with this provider for the next 12 months, we say go for it. If not, though, it's better to be cautious and stick with normal monthly bills.

 

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