All UK households that want to watch or record live television or access BBC iPlayer generally require a TV licence, which costs £174.50. However, some may not realise they could qualify for reduced rates or even an entirely free licence. This can depend on your health, living circumstances and age.

People aged 75 and over who receive Pension Credit are entitled to a free TV licence. It's necessary for them to hold the TV licence in their name within the household, and they can put in their claim at the age of 74 to allow the TV Licensing office to adjust their payments accordingly.

In instances where people have paid for a TV licence without realising their eligibility for a cost-free or discounted rate, refunds may be claimed. The agency pointed out:"If you have a free or blind TV Licence, you can apply for a refund for any length of time left on your licence, and no matter how long ago you became eligible."

For those who are blind or severely sight impaired, regardless of age, there is a chance to get a 50% concession on the TV licence fee. This halves the annual cost to £87.25 for a colour TV and just £29.25 for a black and white TV licence.

This concession applies to the entire household but must be registered in the name of the person with severe sight impairment. Those making a first-time blind application can transfer the licence into their name via the TV licensing website.

To qualify for certain benefits due to severe sight impairment, you'll need to provide substantial evidence. Eligibility doesn't extend to those who are partially sighted.

Acceptable forms of proof include:

• A Certificate of Visual Impairment
• A BD8 Certificate confirming your status as legally blind
• Documentation from a Local Authority verifying severe sight impairment registration
• An Ophthalmologist's certificate
• HMRC tax coding notice indicating receipt of Blind Person's Allowance
• A signed National Registration Card by an Ophthalmologist stating severe sight impairment

In terms of television licensing, opting for a black and white TV can lead to significant savings. The licence fee for such sets is just £58.50, a stark contrast to the £174.50 required for a standard colour licence.

Students residing in accommodation for less than a full year may be eligible for a refund on their TV licence for the unused months.

Additionally, the agency points out: "If you're watching away from your parents' address on a device powered solely by its own internal batteries you will be covered by their TV Licence. If you ever plug your device into the mains while watching TV you will need to buy your own TV Licence."