Do I need a TV licence?

20+ TV licence fee tips

It used to be you only needed a TV licence if you had a telly. Yet the internet age means the rules have exploded with complications, and until recently, those who only watched catch-up TV could get away without paying the £147 annual fee for a colour TV.

Now that's changed, and if you watch BBC iPlayer, you'll need a licence – but you won't for other catch-up sites. Confused? Don't be. This full guide will take you through whether you should be paying or not.

23 TV licensing tips, including...

  1. If you watch TV as it's being broadcast you need a TV licence – on any device

    If you watch or record shows as they're being shown on telly in the UK ('live TV'), you need to be covered by a TV licence. You also need one if you use BBC iPlayer – see below.

    What many may not realise is that this is the case regardless of the device you're watching on – according to research published by TV Licensing, over 31% of students don't know watching live TV on a mobile requires a licence (though in most cases you don't need two if you already have one).

    So whether you're watching live TV on a television, computer, tablet, games console, smartphone or any other device, you'll need to pay the fee.

    However you do not need a TV licence if you only watch content after it's been shown on television – UNLESS it's on iPlayer. TV programmes downloaded or streamed after broadcast on other catch-up services are fine without one though.

    You can buy or renew your TV licence online on the TV Licensing website.

    Quick questions

    • When we talk about 'live TV', confusingly it isn't necessarily a live episode of a programme, it could be pre-recorded.

      'Live TV' is content that's being broadcast on a TV channel. This applies to all channels (including, say, +1 channels) on any mainstream TV platform, including Freeview, Virgin or Sky. Internet-only services such as YouTube or Netflix don't count, though.

      Here are a few examples to show what this means:

      When watching an episode of The Big Bang Theory on your TV, on Channel 4, you DO need a TV licence.

      When watching an episode of The Big Bang Theory via the Channel 4 online streaming service (All 4) at the same time as it's being shown on Channel 4, you DO need a TV licence.

      When watching an episode of The Big Bang Theory online when it isn't being broadcast 'live' on Channel 4, you DON'T need a TV licence.

    • Your TV licence covers your household, no matter how many TVs you have, but the rules differ for shared student accommodation.

      Additionally, if you pay for a licence at home, it'll cover you on a mobile device outside of your home too (subject to certain conditions – see below).

      If you move house it's possible to simply update your contact details or get a refund for a complete unused quarter – see How to get a refund.

    • The cash funds public broadcasting by the BBC, allowing it to run without the interruption of adverts. It makes up about 76% of the BBC's income.

      The BBC contracts the collection and administration of the TV licence out to TV Licensing. According to the BBC, the money you pay is split as follows:

      • Television (57%)
      • Radio (17%)
      • BBC World Service (7%)
      • Other services and production costs (7%)
      • Online (7%)
      • Licence fee collection and pension deficit costs (5%)

      For a more detailed breakdown, see the BBC's Annual Report and Accounts 2016/2017 (p.49).

  2. Only watch catch-up TV? You DON'T have to pay (unless you're watching BBC iPlayer)

    If you never watch the BBC and only watch programmes using other channels' catch-up services, it's possible to legally ditch the TV licence and save yourself £150.50 a year. This is because:

    You only need a TV licence if you watch or record TV as it's being broadcast or use BBC iPlayer – if you only use other catch-up sites, you don't need one.

    A rule that came into force in September 2016 means you need a licence to legally use BBC iPlayer, even if you're only watching catch-up TV. But that doesn't apply to other catch-up services, so the ITV HubAll 4 and My5 are legal to use without a licence as long as you're not using them to watch live TV.

    You can watch almost anything on these catch-up services: soaps, documentaries, dramas, cartoons, comedy, sport and films. And because services such as the ITV Hub only take a few hours to update, you can watch the latest instalment of Coronation Street not long after it's been broadcast live on ITV 1.

    How can I cancel? If you're sure you no longer need a licence, you can formally let TV Licensing know. Although there's no legal obligation to do this, it says doing so will prevent an increasing number of letters coming your way.

    • Cancel payment first. If you pay by direct debit you can cancel it by filling out TV Licensing's contact form. Tell it you no longer watch TV and confirm your current address. You'll also need to cancel your direct debit with your bank. If you pay with a TV Licensing payment card, you'll need to call 0300 555 0286.

    • Then fill out the declaration. Anyone who no longer requires a TV licence – including those who pay in cash at certain shops or Post Offices, who don't need to do the above – can fill out a 'no licence needed' declaration form. After this, keep your confirmation email from TV Licensing as proof.

    • TV Licensing may visit. Once you've cancelled, you might find you get a visit from TV Licensing to check whether you actually do need a TV licence – it says these inspections find one in five households do. If you do need a licence, you'll need to pay the full licence fee, and you could risk prosecution plus a fine of up to £1,000(£500 if you live in Jersey, £2,000 in Guernsey).

    Is this legal? Yes. You don't need a licence as long as you are not watching live TV or using BBC iPlayer and are only watching on-demand or catch-up on other services. However, TV Licensing says its figures show fewer than 2% of people only watch catch-up TV – so don't cancel your licence unless you are sure you don't need it.

    Quick questions

    • The rule is if you are watching live TV or using BBC iPlayer you'll need a licence. It makes no difference whether you're watching on a mobile, tablet, laptop or good old-fashioned telly box in the corner of your living room.

    • TV Licensing told us its enforcement methods are much the same as they've always been, including letters to unlicensed addresses and visits from 'enquiry officers'.

      Users of iPlayer are shown a message asking them if they have a licence, and are given the option to confirm that they do, to find out more or to buy a licence on the TV Licensing website.

      If you're caught watching iPlayer without a licence the same penalties apply as if you were caught watching live television without one – potential prosecution and a fine of up to £1,000.

    • It's a good question, and there are some who believe the BBC has backed itself into a corner. If it were to start prosecuting people who watch the odd bit of iPlayer online, it would be like the record companies that take 14-year-olds to court over a few illegally downloaded tracks.

    • Yes if you're watching BBC iPlayer, but technically no if you only use other catch-up services. But proving it will be nightmarish, especially if your TV is connected to an aerial or satellite dish and is capable of receiving a signal. So it's possible you could find yourself in a tricky situation.

    • Enquiry officers do not have any legal powers to come into your home unless they have a search warrant from a magistrate, or sheriff if you are in Scotland. They have an implied right under common law to come to your front door and let you know they are there.

      If you refuse them entry they have to leave, but TV Licensing may then use other methods such as a warrant from court, or detection equipment, which can find if there is TV-receiving equipment in your home.

    Here's some inspiration for ditching the licence from our forum:

    I used the online form to cancel my licence (the refund arrived back in my bank promptly). I've never had a problem with harassment, just a quick letter when I purchased a new TV and another two years later which is what they say will happen.
    - CW18

    And from Twitter:

    Thanks for the heads-up about the TV licence. Just cancelled and got £172 refund too!
    - @SarcasticTubes

  3. You need a licence to record live TV

    You'll still need a TV licence if you record 'live TV' content at the time of broadcast, using a digital recorder like Sky+ or Tivo (or a good old-fashioned VHS recorder).

    This is because you're recording it as it's being shown on a TV channel. It doesn't matter when you watch it, or how it was recorded – you still need a licence.

  4. You don't need a licence for Netflix, YouTube, etc

    If catch-up TV isn't enough, and you want movies too, sign up for a subscription to an online film service like Netflix or watch for free on YouTube.

    You don't need a licence for these as they don't appear on a TV channel at the same time as you're watching, nor are they the BBC's iPlayer.

    You also don't need a license for Amazon Prime Video, unless you choose to pay extra for its live add-on service Amazon Channels.

    There are lots of packages and options available, with 1,000s of titles to stream. See our Watch Movies & TV Online guide for full info.

  5. If you don't pay you could face a £1,000 fine

    Watching 'live TV' without a licence is against the law. TV Licensing has enforcement officers that carry out checks. Fee dodgers can face prosecution plus a fine of up to £1,000 (£2,000 if you live in Guernsey or £500 in Jersey) if they're found to be watching 'live TV' without a licence.

    You cannot be imprisoned for TV licence evasion in itself, although you can be imprisoned for non-payment of a fine imposed by the court.

  6. You can't stream BBC iPlayer abroad

    To the annoyance of many holidaymakers, it's still against BBC iPlayer's terms of use to access its content from outside the UK – despite the fact that some thought the requirement for a TV licence to use it might change that.

    You can download programmes while you're in the UK to watch abroad at a later date (as long as it's within 30 days of airing), but you'll have to wait until you're back in the country to watch anything more.

    We asked the BBC if it had any plans to change this in future, and it told us:

    We are interested in being able to allow UK licence-fee payers to access BBC iPlayer while they are on holiday in the EU. The BBC is still looking at the technical and legal implications of doing this and it will be dependent on what legislation comes into effect in the future.

    This might point towards the adoption of an online login or verification system, and would reflect the Government's proposals (p.95) for the BBC's next charter. Only time will tell...

  7. If you have a TV but don't watch it, you don't need a licence

    Many wrongly believe you need to be covered by a TV licence if you have the ability to watch 'live' TV, even if you don't watch it. You only need a licence if you actually watch live TV or use BBC iPlayer.

    So, if you've got an aerial on your roof/satellite dish/TV with built-in Freeview etc, but you don't actually watch live TV, you don't need a licence.

  8. Colour costs more

    The Government sets the price of the licence. Currently, a colour TV licence will set you back £150.50. But...

    It costs £50.50/year, £100 LESS, if you only watch telly in black & white.

  9. Trick for students to watch live telly and use iPlayer without a licence

    In some circumstances you won't need to get your own licence, even if you've moved into your own digs.

    It's a bizarre rule, but the TV Licensing website says:

    Students... won't be covered by their parents' licence, unless they only ever use devices that are powered solely by their own internal batteries, and aren't plugged into an aerial or the mains.

    This means students whose parents have a TV licence are fine to use BBC iPlayer and/or watch live television on a tablet, smartphone or laptop that's not charging at the time, without having to pay for their own licence (as long as that's your usual place of residence outside term time).

    However, if you're watching live TV or using BBC iPlayer on a desktop computer, games console or television/digital box, you will need a licence. Whether you need to get one yourself will depend on your accommodation though:

    • Halls of residence. If you're in halls of residence you'll probably be covered for communal areas but not your own room. Check with your university.
       

    • Private accommodation. If you're living out of halls in a shared house and have signed a joint tenancy agreement, you'll need only one licence for the household. However, if you have separate agreements you'll need one for your room.

    Remember, if you're only watching catch-up outside of BBC iPlayer, you don't need a licence regardless of where you live.

    If you do pay for a licence, as a student you can also get a refund for the summer.

  10. Check if you're due a refund

    It may be possible to get a refund on your TV licence, if one of the following applies:

    • If you're moving in with someone who already has a TV licence or moving somewhere where you won't watch 'live TV' or use BBC iPlayer.

    • If the TV licence holder has died, a refund may be due to the estate.

    • If you have a licence, but will not watch or record programmes as they're being shown on TV or use BBC iPlayer before your licence expires.

    • If you've changed the type of licence to a cheaper one, such as a black and white licence, you may be due a partial refund.

    You can apply online for a refund up to two years after the expiry date of your licence. You may have to print the refund form and supply evidence. There's full information on the TV Licensing website, with details on how to cancel and the online refund form.

  11. Some are eligible for a cheaper licence

    Depending on your circumstances, it may be possible to get a discount on your licence.

    Take a look at the info below to see if any of these apply to you. If they do, get in touch with TV Licensing to see if you're eligible for a refund.

    Quick questions

    • Yes. Over-75s get a free TV licence. If you're over 74 and your licence will run out before you turn 75, you're entitled to a short-term licence covering you until you reach 75.

      If you've got a short-term licence, you should receive the free one automatically as soon as you reach 75. If not, get in touch with TV Licensing. Full info's available on the TV Licensing website.

      However, over-75s living on the Isle of Man don't automatically get a free TV licence – instead they have to apply to claim back the full cost of their licence. Those who have reached state pension age and receive certain benefits are also eligible for refunds.

      The Channel Islands also have their own rules:

      • Jersey: Over-75s can claim back the cost of their licence if they (or a partner) are on a low income.
      • Guernsey: Older people can be eligible for a free licence if they meet certain conditions. Call Guernsey social services on 01481 732 500 for more info.
      • Sark: Over-75s aren't offered free TV licences here.
    • If you or someone you live with is blind or severely sight-impaired, you'll get 50% off the cost of a TV licence. So it's £75.25 for a colour set or £25.25 for a black and white one.

      You must provide TV Licensing with a photocopy of one of these documents to confirm you're certified as either blind or severely sight-impaired:

      • The certificate or document issued by or on behalf of your local authority.
      • The certificate from your ophthalmologist.

      If you're only partially sighted or sight-impaired, you won't qualify for the concession. Details on how to apply for the discount are available on the TV Licensing website.

    • If you live in a residential care home or sheltered accommodation and watch TV in your own room or flat, then you need a licence. You may be able to apply for an Accommodation for Residential Care (ARC) Concessionary TV Licence though, if you qualify.

      This costs £7.50 per room, flat or bungalow. Both you and your accommodation must qualify. Check the TV Licensing website to see if you are eligible, and speak to your care home manager to apply, as they are responsible for arranging this type of licence.

      If your home doesn't qualify, you'll have to pay the full £150.50 licence fee.

    Got a question that we haven't answered? Tell us what you want to know – and what you know that we don't – in the TV Licence discussion.

  12. Don't pay by quarterly direct debit

    You can pay by credit card, debit card, bank transfer, online and through TV Licensing's own savings scheme. However, some payment methods charge more than others.

    Here are some handy tips:

    • Pay by quarterly direct debit and you'll pay a premium of £1.25 per quarter (£5/yr) more than paying by monthly direct debit, using TV Licensing's savings scheme or paying in one lump sum.

    • You don't get charged extra for paying by credit card, so if you've got a cashback credit card, use it (providing you pay it off in full at the end of the month) to pay over the phone or online, and get a slice of your cash back.

      Currently you can't pay for your licence with Amex, usually the top cashback card. For the best non-Amex alternatives, read the Cashback Credit Cards guide.

    • You can make small weekly, fortnightly or monthly payments at PayPoint outlets (usually local newsagents and shops). You can also pay over the phone.

      The advantage of this is you don't have to pay in one lump sum or by direct debit. But you will end up paying for the first year's licence in six months. Once that's done (meaning you're six months ahead), you will then have 12 months to pay for your next licence

  13. New annual licences DON'T usually last a full year – so time it right

    You'd think a new annual licence would last a year, yet for many they won't. That's because when you get a new licence it expires the following year at the end of the month prior to the one you purchased it in, NOT exactly a year after you bought it.

    So if you bought a licence on 15 May 2018, it would run for the remainder of that month and for the following 11 months, until the end of April 2019.

    The only way you can be sure to get the full 12 months is to buy at the start of the month, so make sure you do this (or as near as you can to then so you're not without a licence when you need one) to get the maximum value.

    TV Licensing says setting end-of-month expiry dates keeps its costs down and means more can be invested in BBC programmes and services, though it seems a bit cheeky to us. Of course, if you're renewing, you'll be renewing at the start of the month anyway so it shouldn't be a problem.

  14. If you don't pay, TV Licensing can check

    TV Licensing officers catch about 900 people every day who have tried to avoid paying for a licence.

    Its database of more than 31 million addresses is the main tool for catching evaders.

    If TV Licensing believes you're watching 'live TV' or using BBC iPlayer without a licence, enquiry officers may pay you a visit. They can't enter your home without permission, but can apply for a search warrant to do so.

    They may also use detection equipment such as vans and hi-tech handheld detectors. However, TV Licensing won't go into exactly how its detection methods work. "We would not want to reveal information useful to potential evaders", it says.

  15. Your licence covers you outside your home for a mobile device

    Your licence doesn't just cover you watching TV at home, but also watching or recording shows as they're being broadcast on TV or using BBC iPlayer, on any of these devices:

    • Computers, including laptops and tablets
    • Mobile phones
    • Games consoles
    • Digital boxes, including Freeview, Sky, Virgin and BT Vision
    • DVD/VHS/Blu-ray recorders

    As long as the address where you live is licensed, you're also covered to watch TV outside your home using any device powered solely by its own internal batteries and not connected to an aerial or plugged into the mains. This includes your mobile phone, laptop and tablet.

    This rule would also apply to students living away from home – they'll be covered by their parents' licence as long as that's their usual place of residence outside term time (and their device isn't plugged into an aerial or the mains at the time).

    If you have a second home, your licence registered at one property won't apply to the other though – you'll need to pay for two. See You may need a separate licence if you have a second home below for more info.

  16. Even if you pay Sky or Virgin, you still need to cough up

    Sorry, but it's the law. Under the Communications Act 2003, and the Communications (Television Licensing) Regulations 2004, you need a TV licence, no matter how you receive the programmes.

    So even though you're paying to receive TV with Sky, Virgin Media, TalkTalk or BT, you'll still need to cough up for a TV licence as well.

  17. You need a licence for pay-per-view content too

    If you're paying to watch a programme and are watching it at the same time as everyone else who's paying to watch it, then you will need a licence – regardless of the fact that you've already paid to watch it.

    For example, if you pay to watch a boxing match on Sky Sport Box Office, you will need a licence to watch it as it will be broadcast live at a specific time.

  18. Some students with a licence can get a refund of up to £50 for summer

    If you're a student who bought your TV licence during the academic year, and you're going home over the summer, you may be eligible for a refund when you leave your uni digs, if you've already paid for the period you won't be there.

    If you pay monthly, simply contact TV Licensing to let it know you no longer need the licence and ask it to stop your payments.

    How much can you get back?

    You can only claim for full calendar months while not living at your student accommodation. So say you went home on 15 June and your licence ran till 2 September, you could claim the cost back for the whole of July and August only. And say the licence is till 28 August, you could only claim for the whole of July.

    You can claim up to 11 months back and have two years after your licence expires to make a claim.

    You get back what you paid, which tends to be about £12.50/month – depending on your method of payment.

    You can only get money back if moving to a property with a licence

    The refund is only available if you're moving to a licensed address over the break, such as your parents' home. If you're moving straight into a new gaff that isn't licensed you won't be able to claim a refund. But you can take your existing TV licence with you by changing your address.

    How to claim

    You need to complete the online refund form. You may need to provide supporting evidence, in which case you'll have to print out your request and send it off by post. See full details on the how to get the refund, plus other info for students, on the TV Licensing website.

    Quick questions

    • Yes, the good news is you can claim retrospectively for any months you no longer needed the licence. So for example, if you moved out of your student digs in May, you could still claim in July for the whole of June.

    • You'll need to show evidence of when you no longer need your licence from. This could be a tenancy agreement, council tax bill or confirmation letter from your university showing your term dates. See the full list on the TV Licensing website (under 'What evidence will I need to provide?').

  19. Using other BBC websites doesn't require a licence

    You need a TV licence if you watch or record 'live TV' or use BBC iPlayer. If you don't do any of these, you don't need a licence.

    So you don't need a licence to read anything on the BBC website, or if you watch clips on the BBC Sport app or website (though if it's a live stream, you will need one).

    But if you watch content on the BBC iPlayer website or app, you will need a licence. Since 2016, this includes catch-up services on the site, as well as live TV.

  20. Renters need a licence, lodgers don't

    If you rent a property – either a whole property or a room in a shared home – you must be covered by a valid TV licence to watch or record television programmes as they're being shown on TV, or use BBC iPlayer.

    Usually you'll have to organise this yourself (or between yourselves if in a shared house). Speak to the landlord first though, as they may already have a licence for the property.

    If you live in self-contained accommodation such as a separate flat or annexe, then you need your own TV licence.

    If you're a lodger and/or have a relationship with the homeowner (a family member, partner, a nanny, an au pair, housekeeper, etc), you'll be covered by the homeowner's TV licence, provided you live in the same building.

  21. You may need a separate licence if you have a second home

    You need to be covered by a separate TV licence if you watch or record television programmes as they're being shown on TV, or use BBC iPlayer, in a second home.

    The only exception is if your second home is a static caravan, but only if the TV won't be used at the same time as ones in your main home. In this case you won't need a second TV licence but you'll need to sign a declaration stating this.

    If your second home is a touring caravan or vehicle, you won't need a separate licence. There's full info on the TV Licensing website.

  22. Listening to the radio doesn't require a licence

    If you had a radio, but not a television, until 1971 you had to pay for a radio licence.

    These days, you don't need a licence to listen to the radio (including BBC stations). This applies however you listen, even if you listen using television equipment.

  23. Watching live foreign TV in the UK does require a licence

    If you watch 'live TV' from a channel that isn't broadcast in the UK (including those picked up via satellite or online), you need to be covered by a valid TV licence.

    This is regardless of the country of origin or the language of the broadcast.

SPOTTED OUT OF DATE INFO/BROKEN LINKS? EMAIL: BROKENLINK@MONEYSAVINGEXPERT.COM