Posted on 2019-04-11 14:01 in Features EE Hyperoptic TalkTalk NOW Broadband BT Sky Virgin Media
Is it better to get your broadband, TV and phone services as part of a single bundle from the same provider, or should you shop around for the best standalone deals?
Is it simply a question of convenience versus flexibility? And does one work out cheaper than the other?
Let's take a look.
What kind of bundles can you get?
There are three types of broadband bundle. Where providers offer more than one you might see them described as triple or quad-play providers.
Broadband and call bundles
Most broadband services need you to have a traditional phone line, the price of which will be included in your broadband bill. Many providers - even some of the smaller ones - make the most of this requirement by offering you a call plan as part of a bundle. You can add off-peak, Anytime or International calls for a few extra pounds a month. If you don't add a plan the price for any calls you make just gets added to your bill.
Even some providers who don't require a landline will still offer you call bundles, and that can work out cheaper even if you don't intend to use them. For example, Virgin Media's broadband with phone options are cheaper than just standalone broadband for the offer introductory period of. After this, it goes up by £2 a month, but you always have the option of ditching the phone portion at the end of your minumum contract, or some people might consider the extra £2 worth it for extra piece of mind in an emergency. Of course, this isn't always the case, as with Hyperoptic who charge more for a phone bundle than they do for a standalone product. But it's worth investigating to see whether a potential provider requires a landline or not, and if you can make a saving by getting calls bundled in.
Broadband and TV bundles
Broadband and TV bundles are the next most common types of deal. These are generally restricted to the bigger name providers like Sky or BT, and can give you access to premium TV channels that show Premier League football or the latest movies. But beware, they aren't all like this. Some TV bundles, such as the basic TalkTalk or Virgin TV deals, don't offer many more channels than you can get with Freeview. You get a set-top box that lets you record or pause shows, but doesn't include any pay TV channels unless you choose to upgrade. Take a look at our guide on the cheapest ways to get pay TV for the full lowdown.
Broadband and mobile bundles
The other type of deal you can get is a broadband and mobile bundle. Again, these are rarer. Your options are split into two groups: either money off your bill, or a bonus added to your mobile plan, usually in the form of a bigger data allowance. The good thing about the latter is that you can add it to an existing plan if you're already a customer, without needing to take out a new deal.
How do the prices compare?
So how do the prices of bundles compare to buying all your services separately? And do they work out cheaper? Well, it's complicated. When you compare like-for-like services, bundles will usually give you a decent saving. But if you're willing to make compromises on what you need, they might not be the best option.
Here's an example. Let's say you want to sign up to Sky TV.
As of April 2019 you can get Sky Entertainment with 63Mb Fibre in a bundle from Sky for £42 a month. By contrast, if you took the cheapest fibre deal with an average 63Mb speed, from TalkTalk, plus the same Sky Entertainment package from Sky it would cost you a total of £47 a month. It's the same story for different speed broadband, and when you add more TV channels the gap increases further.
Bundles are cheaper when you compare like-for-like services. But - and there's always a but - it isn't quite as simple as that.
If you take that 63Mb TalkTalk Fibre plan and add a NOW TV Entertainment Pass instead of the Sky subscription, the monthly price plummets to just £33. In fact, add the NOW TV plan to Sky Fibre and it works out £7 a month less than the Sky bundle.
What gives? The important thing here is to compare the small differences in the services you're getting. NOW TV is cheaper and gives you the same channels you get through Sky, but it's also a far less premium service. You can't use it to record shows, access red button services, watch 4K broadcasts, or plenty of other things.
In summary: if you want the full monty, a bundle will almost always be cheaper. But if you're willing to shave off some of the extras, you might be able to make savings by buying separately.
Are bundles right for you?
Money aside, the big selling point of bundles is convenience. A bundle gives you one contract, one bill, and one customer service department to deal with. In most cases you'll be able to renew at the same time, too. And you could argue that getting all your services from the same provider will give you more leverage when it comes to negotiating the best deal. The more you pay, the keener they'll be to keep you.
But buying standalone deals has its merits, too. You get more choice, for a start, since there aren't many triple or quad-play broadband providers. And more flexibility, which lets you pick up a faster broadband package than your chosen TV provider can offer, for example. Plus, there's the possibility of taking shorter deals. Sky TV comes with an 18 month contract, Virgin 12 months, and NOW TV just 30 days.
Call plan bundles are the easiest to decide upon. Lots of us don't even have phones plugged into our landlines anymore, so don't need them. But if you make a lot of landline calls - especially international calls - then go for it.
For TV, make sure you know what you want before you sign up. For the full pay-TV experience a Sky or Virgin Media bundle will work out cheaper. If you just want a few extra channels, like from NOW TV or the handful of premium channels offered by BT, a standalone deal might actually work out better.
And as for mobile, keep an eye out for indirect savings. Sky TV customers, for instance, are automatically eligible for unlimited free calls and texts, which means they only need to pay for a data plan. The cheapest they offer is just £6 a month - almost certainly less than you're paying at the moment. EE give 5GB of mobile data to their broadband customers each month. This won't show as a saving on your broadband bill, but is likely to enable you to switch to a much cheaper mobile plan and make your savings there instead.
The main thing is to know what you need and how much it will cost you separately. The you can compare it to how much an equivalent bundle will set you back. Use our comparison tool to find your perfect broadband bundle to get started.
Posted on 2018-11-29 13:52 in Features Sky Plusnet Virgin Media Vodafone BT NOW Broadband John Lewis EE TalkTalk
As we spend more and more of our lives online - managing our money and doing our shopping - we're more likely to encounter problems. Viruses, scams and other cyber-crimes are continuing to become more common. So what's the best way to stay safe online? Let's take a look.
1. Install anti-virus software
Anti-virus software is a must if you use Windows (less so for Macs, Chromebooks, phone and tablets). It doesn't just protect you against viruses you can get though email attachments or dodgy downloads; it protects against all malware - any software designed with malicious intent. This includes nasties like spyware that steals your passwords, and ransomware, which locks down your computer unless you pay up.
Free anti-virus software from your broadband provider
A lot of the best broadband providers give you a free, or cheap, anti-virus subscription as part of their deal. If yours is on this list, make sure you take them up on the offer:
- BT: with BT you get the McAfee powered BT virus Protect. You can install it on two or up to 15 machines, depending on your package. You also get Web Protect, which checks websites you visit are safe, and True Key, a secure password manager you can install on five devices.
- EE: EE Home Broadband gives you a year's subscription to Norton Security Premium for up to 10 devices. After that it costs £39.99 a year, half the normal price.
- Plusnet: Plusnet Protect, from McAfee, is free for Unlimited and Unlimited Fibre Extra customers. On the standard Unlimited Fibre deal you'll need to pay an extra £2 a month for your virus protection. You can install it on up to seven PCs.
- Sky Broadband: on one of Sky's Unlimited deals you get a 12 month free trial of the McAfee Internet Security suite for up to three PCs. On the limited packages you get three months. Once the trial is up you can keep it going for £3 extra a month.
- TalkTalk: with TalkTalk you get HomeSafe, an award winning online security package. This combines some virus protection and parental controls. It isn't a full anti-virus tool, though.
- Virgin Media: Virgin Media Security is worth £39.95 a year, but is free to all Virgin Media broadband customers. It gives you full anti-virus coverage for up to three PCs.
- Vodafone: with Vodafone you get a free six month sub to F Secure SAFE anti-virus package for up to five devices. After that, you can subscribe for £39.99 a year - half the normal price.
- NOW Broadband: with NOW you get the Broadband Buddy service. This helps to protect you against malware-infected sites, but isn't a full anti-virus package.
- John Lewis Broadband: John Lewis offers a full subscription to the Bullguard security package for Windows users.
If your supplier isn't on the list, there's loads of free anti-virus tools you can get instead. Bitdefender and Avast are among the most highly rated.
Malware isn't just a concern for those who browse the murkier reaches of the internet. Perfectly benign, mainstream websites can become compromised, and even ads can be crafted to try and do bad things without you even needing to click on them.
2. Keep your software updated
It's so tempting to turn off automatic software updates. They always pop up at the worst possible time, and if it happens to be a Windows update you can write off the next half hour waiting for it to finish.
Except, software updates are really important. Especially the Windows ones.
They don't just bring new features or improved performance, they make your computer more secure. Bugs in software can create the kind of security risks that malware thrives upon. Not only do they allow the malware into your system, they can also enable it to spread from one machine to another.
Updates shut down these vulnerabilities. At the very least, don't turn off updates to Windows or your web browser, such as Google Chrome. Better still, allow all your apps to update as they need to.
3. Learn how to recognise online scams
Malware is designed to exploit weaknesses in computer systems, but the truth is the weakest points of all are us, the users. You can lock down your laptop but it won't stop someone trying to trick you into handing over your passwords.
Phishing scams, as they're called, have moved on a lot since the days of the Nigerian prince who wanted to send you tens of millions of dollars. They're now a whole lot more sophisticated and difficult to spot. And it isn't just online that you need to be wary. You might get a text message purporting to be from your mobile network, or you could get a scam call from your broadband provider.
So, how do you spot scams? Here's a few tips:
- Spelling and grammar mistakes in emails are a dead giveaway. Also, does the email greet you by name or a generic title?
- Beware of emails demanding urgent action. Scammers try to scare you into responding, like telling you there's been a security alert on your account, or you're overdrawn, and you must log in to fix it.
- Be wary of links in emails. Don't assume that the link is going to take you where you think it will.
- Or just don't click links at all. Instead of clicking a link to one of your online services, manually type their address into your browser instead. Or pick up the phone and give them a call.
- If it sounds suspicious, it probably is. If you didn't buy a lottery ticket, you didn't win the lottery.
- Don't assume a fancy website means that a site is reputable. This is a rule to follow when shopping online, too.
Anti-virus software and web browsers will help you to sniff out phishing scams. What better reason to keep them up to date?
4. Use better passwords
We all know the importance of using strong passwords and not re-using them. But it can be difficult, since strong passwords are so much harder to remember. There are three things to try to make your life easier:
- Think in terms of passphrases instead of passwords. A sentence of eight random words is easier to remember - and type - than a password of eight random characters, but it's just as hard to crack.
- Consider using a password manager. Don't save your passwords in your web browser, use a dedicated password manager instead. This saves all your logins under a single, more secure password. With BT Broadband, the True Key offers exactly this feature and is worth trying out. Alternatively, take a look at LastPass or 1Password, both of which are free.
- Use two factor authentication. A large and growing number of services offer two factor authentication. When you log in you need to enter both your password and a second, unique code sent to your phone via an app or text message. It's a lot more secure.
5. Keep an eye on your privacy
Finally, keep an eye on how much information you're sharing online. If you use social networks you're probably sharing a lot more than you realise. Check the Privacy section in Facebook and other services to lock them down, and make sure your kids do this, too.
And speaking of kids, most broadband providers offer some form of parental controls that you can use to manage what people can see, or how long they can go online. These are worth setting up, but remember that they are by no means foolproof.