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. 

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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 some cases.
  • 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.
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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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