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

Is line rental saver worth it icon

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

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.

  • Superfast 2
    £100 Gift Card redeemable at Amazon.co.uk, Currys PC World, Marks and Spencer, John Lewis!
    • Online Exclusive
    • Average speed* 63Mbps
    • Pay As You Go phone
    • Offer ends
    • £23.00 per month
    18 month contract
  • Superfast Fibre
    Unlimited Monthly Usage
    • Average speed* 67Mbps
    • Pay as you go calls
    • £24.45 per month
    18 month contract
  • Superfast Fibre
    £80 BT Gift Card + £40 M&S voucher - see BT's website for further details
    • Online Exclusive
    • Average speed* 50Mbps
    • £9.99 up-front costs
    • Pay as you go phone
    • Offer ends
    • £28.99 per month
    24 month contract
  • Superfast 1
    £100 Gift Card redeemable at Amazon.co.uk, Currys PC World, Marks and Spencer, John Lewis!
    • Online Exclusive
    • Average speed* 35Mbps
    • Pay As You Go phone
    • Offer ends
    • £23.00 per month
    18 month contract
  • Unlimited Fibre
    £70 cashback!
    • Online Exclusive
    • Average speed* 36Mbps
    • Pay as you go phone
    • Offer ends
    • £22.99 per month
    18 month contract
  • M50 Fibre Broadband + Phone
    Exclusive Offer: £75 Bill Credit
    • Online Exclusive
    • Average speed* 54Mbps
    • Weekend calls inc.
    • Offer ends
    • £26.00 per month
    12 month contract

*Average speeds are based on the download speeds of at least 50 % of customers at peak time(8pm to 10pm). Speed can be affected by a range of technical and environmental factors. The speed you receive where you live may be lower than that listed above. You can check the estimated speed to your property prior to purchasing.

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 some cases.
  • Paying upfront usually comes with an extra discount - BT gives you one month's line rental free when you pay upfront using a debit or credit card.
  • 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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