State pensioners told to reduce TV Licence bill to £0 with two legal methods

State pensioners are being urged to reduce their TV Licence to £0 legally this winter in a bid to help cut bills in the wake of the loss of the £300 Winter Fuel Payment.

There are two ways you can legally cut your TV Licence to £0 if you're a state pensioner - both of which are fully legal and won't land you a court summons, saving you £169.50 per year.

First, for pensioners aged over 75, you can apply for Pension Credit if your income is lower than £218 per week.

Those on the old state pension, i.e. who reached pension age before 2016, will receive about £169 per week so will be eligible to claim Pension Credit assuming they have no other income like a second property, a private pension or large amounts of savings interest.

Not only will this also give you your £300 Winter Fuel Payment back, but you'll also be able to claim a free TV Licence if aged over 75.

The second method is more universal and is open to anybody of any age to cut your TV Licence bill to nothing.

What many don't realise is that you legally don't need a TV Licence if you don't watch BBC content (live or on iPlayer) and you don't watch live content on catch-up services.

So, for example, if you have a TV but it's not hooked up to an external aerial or tuned in, and you only use TV apps, as long as you don't watch TV as it's broadcast and don't watch BBC ever, you do not need a TV licence.

For example if you watch Coronation Street on catch up on ITVX, you don't need a TV licence as long as you don't watch it as it's being broadcast.

What do I need a TV licence for?

A TV licence is a legal requirement if you do any of these:

• watch or record TV on any channel via any TV service (such as Sky, Virgin, Freeview, Freesat)

• watch live content on streaming services (e.g. ITVX, Channel 4, YouTube, Amazon Prime Video, Now, Sky Go)

• use iPlayer at all

• watch DVDs or Blurays (yes, they still exist and to go back to building their own collections)

• watch , Disney Plus, Amazon Prime Video or Apple TV as long as it's NOT live content. E.g. you can watch Drive To Survive, Stranger Things, Ted Lasso or Clarkson's Farm without a TV Licence, totally legally. But if you stray over to watching a live game on that same Amazon Prime sub, you'll need a Licence.

• As TV Licensing says: "You need to be covered by a TV licence to watch programmes live on any online TV service - such as ITVX, Channel 4, Amazon Prime Video, Now or Sky Go. You don't need a TV licence if you only ever watch on-demand programmes on any TV service apart from iPlayer."

• LIVE is not just live as in a live match, but if you watch as it's being broadcast 'live', you need a TV licence. However, if you watch an ITV or Channel 4 show on catch-up later, you don't need a licence for that.